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.
Flexible terms, redraw up to 100%, borrow $20k-$400k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for
taxes and insurance premiums. Click here for more information on rates and product details.
97% of borrowers would recommend to friends or family
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for
taxes and insurance premiums. Click here for more information on rates and product details.
Overview 2024
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 1331
Date Established
1916
Assets
$ 5.72 billion
Loans
$ 3.62 billion
Deposits
$ 4.96 billion
Capital
$ 575.33 million
Summary Balance Sheet as of March 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 739.82 million
Interest-bearing balances
$ 672.60 million
Total securities
$ 1,046.07 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 3.62 billion
Loan loss allowance
$ 75.02 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.87 million
Goodwill and other intangibles
$ 13.28 million
All other assets
$ 235.31 million
Total Assets
$ 5.14 billion
LIABILITIES
Total deposits
$ 4.96 billion
Interest-bearing deposits
$ 3.55 billion
Deposits held in domestic offices
$ 4.96 billion
% insured (estimated)
51.73%
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
$ 5.14 billion
Shareholders’ Equity
$ 575.33 million
Summary Income Statement as of March 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 66.47 million
Total Interest Expense
$ 14.57 million
Net interest income
$ 51.90 million
Provision for loan and lease losses
N.A.
Total non interest income
$ 5.03 million
Total non interest expense
$ 24.95 million
Pre-tax Net Operating Income
$ 48.18 million
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Branches
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Farmers & Merchants Bank of Central California Locations
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