Farmers & Merchants Bank of Central California
Farmers & Merchants Bank of Central California is an FDIC insured institution headquartered at
121 W Pine St, Lodi, CA 95240.
It was founded in
0000 and has approximately $5 billion in
assets. Customers can open an account at one of its 34 branches.
Deposit Rates - October 4, 2023
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.03% | $2,500 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.04% | $2,500 | Compare |
|
Money Market
|
0.15% | $10,000 | Compare |
|
Money Market
|
0.15% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.06% | $2,500 |
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Overview 2023
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 1331 |
| Date Established | 0000 |
| Assets | $ 5.25 billion |
| Loans | $ 3.42 billion |
| Deposits | $ 4.64 billion |
| Capital | $ 525.25 million |
Summary Balance Sheet as of June 30, 2023
| ASSETS | |
| Cash & Balances due from depository institutions | $ 589.51 million |
| Interest-bearing balances | $ 506.69 million |
| Total securities | $ 952.33 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 3.42 billion |
| Loan loss allowance | $ 71.11 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.87 million |
| Goodwill and other intangibles | $ 13.71 million |
| All other assets | $ 235.31 million |
| Total Assets | $ 4.73 billion |
| LIABILITIES | |
| Total deposits | $ 4.64 billion |
| Interest-bearing deposits | $ 3.14 billion |
| Deposits held in domestic offices | $ 4.64 billion |
| % insured (estimated) | 53.03% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 84.09 millionn |
| Total Liabilities | $ 4.73 billion |
| Shareholders’ Equity | $ 525.25 million |
Summary Income Statement as of June 30, 2023
| INCOME AND EXPENSES | |
| Total Interest Income | $ 120.31 million |
| Total Interest Expense | $ 11.82 million |
| Net interest income | $ 108.49 million |
| Provision for loan and lease losses | $ 4.06 million |
| Total non interest income | $ 14.65 million |
| Total non interest expense | $ 53.83 million |
| Pre-tax Net Operating Income | $ 48.18 million |
Customer Reviews for Farmers & Merchants Bank of Central California
Branches
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Farmers & Merchants Bank of Central California Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1LOCAL SAVINGSBankCALIFORNIA$50,000N.A.0.03%0.18x (National Avg. - 0.17%)$2,500-SCENARIO
Year Rate
0.03%Annual
InterestAnnual Interest
(After Tax)1 50,000 15 11 2 50,015 15 11 3 50,030 15 11 4 50,045 15 11 5 50,060 15 11 6 50,075 15 11 7 50,090 15 11 8 50,105 15 11 9 50,120 15 11 10 50,135 15 11 11 50,150 15 11 12 50,165 15 11 13 50,180 15 11 14 50,195 15 11 15 50,210 15 11 16 50,225 15 11 17 50,241 15 11 18 50,256 15 11 19 50,271 15 11 20 50,286 15 11 TOTAL $301 $211 - 2LOCAL SAVINGSOnline Bank-$50,000N.A.4.30%25.75x (National Avg. - 0.17%)$0-SCENARIO
Year Rate
4.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,150 1,505 2 52,150 2,242 1,570 3 54,392 2,339 1,637 4 56,731 2,439 1,708 5 59,171 2,544 1,781 6 61,715 2,654 1,858 7 64,369 2,768 1,938 8 67,137 2,887 2,021 9 70,024 3,011 2,108 10 73,035 3,140 2,198 11 76,175 3,276 2,293 12 79,451 3,416 2,391 13 82,867 3,563 2,494 14 86,430 3,717 2,602 15 90,147 3,876 2,713 16 94,023 4,043 2,830 17 98,066 4,217 2,952 18 102,283 4,398 3,079 19 106,681 4,587 3,211 20 111,268 4,785 3,349 TOTAL $66,053 $46,237
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