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Farmers & Merchants Bank Of Central California
Lodi, CA · FDIC Certificate #1331 · Chartered 05/2
Total assets
$5.83B
Total deposits
$5.10B
Total equity
$686.82M
Net loans
$3.63B
Branches (offices)
31
Net income (YTD)
$50.22M
Rank: #256 of 4,213 U.S. banks by assets · #21 of 115 in California. Assets changed 6.5% and deposits 7.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.74% |
| Return on equity | 15.04% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 11.77% |
| Tier 1 leverage ratio | 11.65% |
| Uninsured deposits (share of deposits) | 51.4% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 71.2% |
| Real estate loans (share of loans) | 75.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.74B | 75.7% | |
| Commercial & industrial | $528.93M | 14.6% | |
| Consumer / individual | $3.40M | 0.1% | |
| Construction & development | $115.15M | 3.2% | |
| Agricultural | $257.90M | 7.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $5.33B | $4.77B | $36.73M | $467.97M |
| Jun 2023 | $5.25B | $4.64B | $45.97M | $525.25M |
| Jun 2024 | $5.27B | $4.60B | $45.52M | $586.73M |
| Jun 2025 | $5.48B | $4.76B | $47.34M | $629.77M |
| Jun 2026 | $5.83B | $5.10B | $50.22M | $686.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $5.10B | 31 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.10B.
Similar-sized banks
Ctbc Bank Corp. (Usa) ($5.87B) · Westamerica Bank ($5.77B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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