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Kelly Houghton currently serves as Vice President of Loan Administration and Loan Operations at The Farmers and Merchants Bank and has held the position of Executive Vice President and Chief Operating Officer at Farmers & Merchants Bank since September 1999. Houghton possesses a Graduate Banking Degree from the Southwestern Graduate School of Banking at Southern Methodist University, obtained between 2011 and 2013, and a Bachelor of Science in Agricultural Business and Management from Arkansas State University, earned from 1995 to 1999.