Banks | Farmers & Merchants Bank of Central California
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Farmers & Merchants Bank of Central California


ACH Number: 121108441

Farmers & Merchants Bank of Central California is an FDIC insured institution headquartered at 121 W Pine St, Lodi, CA 95240.
It was founded in 1916 and has approximately $6 billion in assets. Customers can open an account at one of its 34 branches.

Deposit Rates - July 17, 2026

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




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1331
Date Established 1916
Assets $ 5.69 billion
Loans $ 3.57 billion
Deposits $ 4.99 billion
Capital $ 652.99 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 150.49 million
Interest-bearing balances $ 84.24 million
Total securities $ 1,669.07 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.57 billion
Loan loss allowance $ 76.38 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 12.35 million
All other assets $ 235.31 million
     Total Assets $ 5.04 billion

LIABILITIES
Total deposits $ 4.99 billion
      Interest-bearing deposits $ 3.34 billion
      Deposits held in domestic offices $ 4.99 billion
      % insured (estimated)" 48.76%
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 $ 5.04 billion
      Shareholders’ Equity $ 652.99 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 278.40 million
Total Interest Expense $ 59.13 million
Net interest income $ 219.27 million
Provision for loan and lease losses $ 3.50 million
Total non interest income $ 23.01 million
Total non interest expense $ 106.26 million
Pre-tax Net Operating Income $ 48.18 million

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