Farmers & Merchants Bank of Central California
Farmers & Merchants Bank of Central California is headquartered in LODI and is the 21st largest bank in the state of California. It is also the 255th largest bank in the nation. It was established in 1916 and as of March of 2025, it had grown to 372 employees at 34 locations. Farmers & Merchants Bank of Central California has an A health rating.
Worst Banking Experience Of A Lifetime
I got 4 accounts at one time 2 personal and business. Immediately they began messing up in my business account so I moved it and only kept the personal checking account because my employer banks there. As I'm writing this I put cash money in there inside the branch this morning. I have two very important obligations do to come out in the morning,one of which is to the federal government and NO TRANSACTION shows at all today. MONDAY MORNING I'M CLOSING IT AND MY ATTORNEY WILL DEAL WITH THE HORRENDOUS MONEY I'LL PAY FOR BEING LATE. DON'T BANK HERE YOU CAN'T ZELLE CASH APP OR ANYTHING REMOTELY CLOSE . They keep saying they will have one of them soon. Been hearing that LIE over a year. Find a good credit union or your mattress better than using them.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 1331 |
| Year Established | 1916 |
| Employees | 372 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.71% |
| Return on Equity - YTD | 15.82% |
| Annual Interest Income | $67MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $5.68B$5.72B |
| Loans | Q1 2025vs Q1 2024 | $3.51B$3.62B |
| Deposits | Q1 2025vs Q1 2024 | $4.98B$4.96B |
| Equity Capital | Q1 2025vs Q1 2024 | $613.9MM$575.3MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $75.4MM$75MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $193K$3.6MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $873K$873K |
