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 21st largest bank in the state of California. It is also the 266th largest bank in the nation. It was established in 1916 and as of December of 2023, it had grown to 378 employees at 33 locations. Farmers & Merchants Bank of Central California has an A health rating.

Reviews (2)

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.

Worst Banking Experience Of A Lifetime

Posted by: |

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.


Health Grade Components

FDIC Certificate #1331
Year Established1916
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.71%
Return on Equity - YTD17.12%
Annual Interest Income$253MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$5.31B$5.33B
LoansQ4 2023vs Q4 2022$3.58B$3.45B
DepositsQ4 2023vs Q4 2022$4.67B$4.76B
Equity CapitalQ4 2023vs Q4 2022$561.2MM$494.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$75MM$66.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$0$571K
Real Estate OwnedQ4 2023vs Q4 2022$873K$873K
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Farmers & Merchants Bank of Central California Checking Account Rates

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


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