Banks | Farmers & Merchants Bank of Central California
Language

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 - January 20, 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 $ 5.63 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

Customer Reviews for Farmers & Merchants Bank of Central California

There are currently no comments for Farmers & Merchants Bank of Central California. Be the first to share your experience. Please provide comments that will help others.

Add Your Review


Rate it here →


Branches

Click on location and enter new zip number to change."
Your current location is: Seattle, WA

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."

  • 1
    LOCAL SAVINGS
    Farmers & Merchants Bank of Central California
    Bank
    CALIFORNIA
    $50,000
    N.A.
    0.03%
    0.13x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.03%    		 Annual
    Interest    		 Annual 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
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


    Other Banks to Consider