Farmers & Merchants Bank of Central California
Lodi, CA
IDRSSD: 808260
Total Assets
$5.69B
Latest filing
Total Deposits
$4.99B
Latest filing
Net Interest Margin
4.28%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers & Merchants Bank of Central California
121 W Pine St
Lodi, CA 95240
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/24/1916FDIC Certificate 878
Branches (33)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| Farmers & Merchants Bank of Central California (Main) | 121 W Pine St | Lodi, CA |
| MANTECA BRANCH | 611 N Main St | Manteca, CA |
| TURLOCK MAIN BRANCH | 121 S Center St | Turlock, CA |
| GALT BRANCH | 1200 C St | Galt, CA |
| LINDEN BRANCH | 18836 West Main Street | Linden, CA |
| LODI AVENUE AUTO BRANCH | 121 W Lodi Ave | Lodi, CA |
| MODESTO MAIN BRANCH | 3001 Mchenry Ave | Modesto, CA |
| VINEYARD BRANCH | 1020 W Kettleman Ln | Lodi, CA |
Showing 7 of 33
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/24/1916 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 95240 |
| State and County Number | 06077 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Stockton, CA |
Operational Info
| Number of Employees | 381 |
| Domestic Offices | 34 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fmbonline.com |
| Data Updated | 01/30/2026 |
| CERT | 1331 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $5.69B |
| Total Deposits | $4.99B |
| Total Liabilities | $5.04B |
| Total Equity Capital | $652.99M |
| Net Income | $24.58M |
| Net Loans and Leases | $3.57B |
| Assets Per Employee ($Millions) | $14.86M |
| Bank Premises and Fixed Assets | $55.07M |
| Cash and Balances due from Depository Institutions | $150.49M |
| Deposits Held in Domestic Offices | $4.99B |
Key Performance Ratios
| Return on Assets (ROA) | 1.74% |
| Return on Equity (ROE) | 15.29% |
| Net Interest Margin | 4.28% |
| Efficiency Ratio | 43.95% |
| Tier 1 Risk-Based Capital Ratio | 13.985% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.47% |
| Earning Assets to total Assets | 93.55% |
Income and Expense
| Total Interest Income | $71.27M |
| Total Noninterest Income | $5.39M |
| Total Interest Expense | $14.74M |
| Total Noninterest Expense | $27.35M |
| Net Interest Income | $56.53M |
| Pre-tax Net Operating Income | $33.33M |
| Provision for Credit Losses | $1.10M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $54.45M |
| Total Liabilities and Capital | $5.69B |
Securities
| Securities | $1.67B |
| Available-for-sale debt securities | $950.84M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $718.64M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers & Merchants Bank of Central California?
$5.69B as of the latest filing.
How much are Farmers & Merchants Bank of Central California's total deposits?
$4.99B in total deposits.
Where is Farmers & Merchants Bank of Central California located?
Lodi, CA.
What is the Net Interest Margin?
4.28%.
How many domestic offices does it operate?
34.
When was it established?
05/24/1916.
What is the Return on Assets (ROA)?
1.74%.
How much are total loans and leases?
$3.57B (latest filing).
What is the total interest income (latest filing)?
$71.27M.