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 Farmers & Merchants Bank of Central California
Farmers & Merchants Bank of Central California
| RSSD ID 808260 | CERTIFICATE 1331 | ABA NUMBER 121108441 |
| 121 W Pine St |
Quarter Ended : |
2025-12-31 |
| Lodi, California, 95240 |
Updated : |
2026-01-30 |
| www.fmbonline.com |
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| Institution Profile |
| Year Opened : |
1916 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
34 |
Number of Employees : |
383 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 5,692,809 |
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Total Interest Income | 278,397 |
| Total Liabilities | 5,039,816 |
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Total NonInterest Income | 23,014 |
| Total Bank Equity Capital | 652,993 |
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Total Interest Expense | 59,132 |
| Total Deposits | 4,985,370 |
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Total NonInterest Expense | 106,260 |
| Net Loans & Leases | 3,572,570 |
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Net Income | 96,268 |
| Loan Loss Allowance | 76,375 |
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Net Charge Offs | 1,799 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 684,082 |
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Total loans | 3,407,378 |
| Total assets for the leverage ratio | 5,718,877 |
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Loans secured by real estate: | 2,690,079 |
| Tier 1 Leverage Ratio | 10.98 |
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Commercial and industrial loans | 480,620 |
| Tier 1 Capital Ratio | 13.99 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 15.24 |
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Loans to individuals - Other | 4,909 |
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:· Farmers & Merchants Bank of Central California
