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	374
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	11/14/2025
CERT	1331
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$5.63B
Total Deposits	$4.91B
Total Liabilities	$5.00B
Total Equity Capital	$632.64M
Net Income	$24.35M
Net Loans and Leases	$3.53B
Assets Per Employee ($Millions)	$14.78M
Bank Premises and Fixed Assets	$53.51M
Cash and Balances due from Depository Institutions	$177.91M
Deposits Held in Domestic Offices	$4.91B

Return on Assets (ROA)	1.75%
Return on Equity (ROE)	15.43%
Net Interest Margin	4.31%
Efficiency Ratio	44.94%
Tier 1 Risk-Based Capital Ratio	13.982%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.05%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	11.234%
Earning Assets to total Assets	93.02%

Total Interest Income	$70.28M
Total Noninterest Income	$6.99M
Total Interest Expense	$14.85M
Total Noninterest Expense	$28.19M
Net Interest Income	$55.44M
Pre-tax Net Operating Income	$33.54M
Provision for Credit Losses	$700.00k
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$873.00k
Other borrowed funds	$0
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$87.78M
Total Liabilities and Capital	$5.63B

Securities	$1.60B
Available-for-sale debt securities	$869.85M
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$734.63M
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Farmers & Merchants Bank of Central California?

$5.63B as of the latest filing.

How much are Farmers & Merchants Bank of Central California's total deposits?

$4.91B in total deposits.

Where is Farmers & Merchants Bank of Central California located?

Lodi, CA.

What is the Net Interest Margin?

4.31%.

How many domestic offices does it operate?

34.

When was it established?

05/24/1916.

What is the Return on Assets (ROA)?

1.75%.

How much are total loans and leases?

$3.53B (latest filing).

What is the total interest income (latest filing)?

$70.28M.