Farmers & Merchants Bank of Central California


Overview / Commentary
209-367-2300
121 West Pine Street
Lodi, CA 95240

Farmers & Merchants Bank of Central California is headquartered in LODI and is the 23rd largest bank in the state of California. It is also the 265th largest bank in the nation. It was established in 1916 and as of June of 2023, it had grown to 370 employees at 33 locations. Farmers & Merchants Bank of Central California has an A health rating.

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

Health Grade Components

Overall
FDIC Certificate #1331
Year Established1916
Employees370
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.75%
Return on Equity - YTD17.91%
Annual Interest Income$120.3MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$5.25B$5.33B
LoansQ2 2023vs Q2 2022$3.42B$3.19B
DepositsQ2 2023vs Q2 2022$4.64B$4.77B
Equity CapitalQ2 2023vs Q2 2022$525.3MM$468.0MM
Loan Loss AllowanceQ2 2023vs Q2 2022$71.1MM$62.1MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$375.00K$3.0MM
Real Estate OwnedQ2 2023vs Q2 2022$873.00K$873.00K
Rates
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Farmers & Merchants Bank of Central California Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$5k*$50kSky Blue Checking
OTHER TIERS: 0.05% Any amount
Locations

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