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 $5 billion in assets. Customers can open an account at one of its 34 branches.
| 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 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
|
Intro APR: 6.990 %
After Intro:6.990 % |
$0 |
| Home Equity Line of Credit - Equal Housing Lender | $0 |
Reliant Home Funding, Inc. NMLS ID: 292473 |
5.733% |
$1,843
Fees & Points
$3,806 Total
0.566 Pts ($1,811) $1,995 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.163% |
$1,919
Fees & Points
$5,600 Total
0.750 Pts ($2,400) $3,200 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 1331 |
| Date Established | 1916 |
| Assets | $ 5.48 billion |
| Loans | $ 3.55 billion |
| Deposits | $ 4.76 billion |
| Capital | $ 629.77 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 296.91 million |
| Interest-bearing balances | $ 179.00 million |
| Total securities | $ 1,321.09 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 3.55 billion |
| Loan loss allowance | $ 76.17 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 1.20 million |
| Goodwill and other intangibles | $ 12.61 million |
| All other assets | $ 235.31 million |
| Total Assets | $ 4.85 billion |
| LIABILITIES | |
| Total deposits | $ 4.76 billion |
| Interest-bearing deposits | $ 3.21 billion |
| Deposits held in domestic offices | $ 4.76 billion |
| % insured (estimated)" | 49.85% |
| 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 | $ 4.85 billion |
| Shareholders’ Equity | $ 629.77 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 136.84 million |
| Total Interest Expense | $ 29.54 million |
| Net interest income | $ 107.30 million |
| Provision for loan and lease losses | $ 1.70 million |
| Total non interest income | $ 10.63 million |
| Total non interest expense | $ 50.72 million |
| Pre-tax Net Operating Income | $ 48.18 million |
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