Overview / Commentary
121 West Pine Street
Lodi, CA 95240

Farmers & Merchants Bank of Central California is headquartered in Lodi and is the 30th largest bank in the state of California. It is also the 312th largest bank in the nation. It was established in 1916 and as of September of 2018, it had grown to 351 employees at 33 locations. Farmers & Merchants Bank of Central California has an A health rating.

Related Posts

View all posts from:

Reviews (1)

Great Bank in Modesto

F&M bank is a small, local bank mainly centralized in Modesto, California, 95358. I have been banking with them for a little over four years now and I would not change a thing. The customer service, rewards, incentives and online banking options that they offer are exceptionally phenomenal. Large scale banks definitely need to take a look at this bank and follow in F&M banks footsteps.

I would definitely recommend this company to any of my friends, as a matter of a fact, I already have done so in the past and they are all extremely happy with this bank. Although they are exceptional in almost every possible category, they could always improve on one thing, and that is, the use of ATM's. The ATM machines that are currently available for this bank are very slow and often times feel out dated.


Health Grade Components

FDIC Certificate #1331
Year Established1916
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.45%
Return on Equity - YTD14.8%
Annual Interest Income$96.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$3.17B$3.06B
LoansQ3 2018vs Q3 2017$2.36B$2.17B
DepositsQ3 2018vs Q3 2017$2.78B$2.71B
Equity CapitalQ3 2018vs Q3 2017$297.8MM$300.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$53.1MM$50.7MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$0$4.00K
Real Estate OwnedQ3 2018vs Q3 2017$873.00K$873.00K
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Farmers & Merchants Bank of Central California; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers & Merchants Bank of Central California Savings Account Rates

0.03%--Regular Savings

Farmers & Merchants Bank of Central California Checking Account Rates

0.43%*$5k*$50kSky Blue Checking
OTHER TIERS: 0.05% $50k+ | 0.15% Up to $5k

Farmers & Merchants Bank of Central California CD Rates

0.45%$100k-36 Month Jumbo CD
0.40%$1k$100k36 Month CD
0.40%$100k-24 Month Jumbo CD
0.35%$1k$100k24 Month CD
0.25%$100k-18 Month Jumbo CD
0.22%$1k$100k18 Month CD
0.18%$1k$100k12 Month CD
0.18%$100k-12 Month Jumbo CD
0.15%$1k$100k9 Month CD
0.15%$100k-9 Month Jumbo CD
0.10%$1k$100k6 Month CD
0.10%$100k-6 Month Jumbo CD


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.