Farmers & Merchants Bank of Central California

Overview / Commentary
121 West Pine Street
Lodi, CA 95240

Farmers & Merchants Bank of Central California is headquartered in Lodi and is the 28th largest bank in the state of California. It is also the 272nd largest bank in the nation. It was established in 1916 and as of June of 2021, it had grown to 360 employees at 32 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 Grade Components

FDIC Certificate #1331
Year Established1916
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.43%
Return on Equity - YTD15.48%
Annual Interest Income$82.0MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$4.92B$4.26B
LoansQ2 2021vs Q2 2020$2.97B$3.01B
DepositsQ2 2021vs Q2 2020$4.41B$3.78B
Equity CapitalQ2 2021vs Q2 2020$448.1MM$412.9MM
Loan Loss AllowanceQ2 2021vs Q2 2020$60.2MM$55.1MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$548.00K$473.00K
Real Estate OwnedQ2 2021vs Q2 2020$873.00K$873.00K
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* 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

0.15%*$5k*$50kSky Blue Checking
OTHER TIERS: 0.05% Any amount
0.06%--Ultimate High Yield Checking
0.03%--Ultimate Checking

Farmers & Merchants Bank of Central California CD Rates

0.25%$1k$100k36 Month CD
0.25%$100k-36 Month Jumbo CD
0.20%$1k$100k24 Month CD
0.20%$100k-24 Month Jumbo CD
0.15%$1k$100k18 Month CD
0.15%$100k-18 Month Jumbo CD
0.12%$1k$100k12 Month CD
0.12%$100k-12 Month Jumbo CD
0.08%$1k$100k6 Month CD
0.08%$1k$100k9 Month CD
0.08%$100k-6 Month Jumbo CD
0.08%$100k-9 Month Jumbo CD


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