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.
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 1331
Date Established
1916
Assets
$ 5.63 billion
Loans
$ 3.53 billion
Deposits
$ 4.91 billion
Capital
$ 632.64 million
Summary Balance Sheet as of September 30, 2025
ASSETS
Cash & Balances due from depository institutions
$ 177.91 million
Interest-bearing balances
$ 102.12 million
Total securities
$ 1,604.06 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 3.53 billion
Loan loss allowance
$ 75.96 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
$ 0.87 million
Goodwill and other intangibles
$ 12.48 million
All other assets
$ 235.31 million
Total Assets
$ 5.00 billion
LIABILITIES
Total deposits
$ 4.91 billion
Interest-bearing deposits
$ 3.30 billion
Deposits held in domestic offices
$ 4.91 billion
% insured (estimated)"
49.79%
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
$ 5.00 billion
Shareholders’ Equity
$ 632.64 million
Summary Income Statement as of September 30, 2025
INCOME AND EXPENSES
Total Interest Income
$ 207.13 million
Total Interest Expense
$ 44.39 million
Net interest income
$ 162.74 million
Provision for loan and lease losses
$ 2.40 million
Total non interest income
$ 17.62 million
Total non interest expense
$ 78.91 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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