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 22nd largest bank in the state of California. It is also the 270th largest bank in the nation. It was established in 1916 and as of September of 2024, it had grown to 379 employees at 33 locations. Farmers & Merchants Bank of Central California has an A health rating.

Reviews (1)

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

Health Grade Components

Overall
FDIC Certificate #1331
Year Established1916
Employees379
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.68%
Return on Equity - YTD15.57%
Annual Interest Income$204.6MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$5.42B$5.38B
LoansQ3 2024vs Q3 2023$3.63B$3.48B
DepositsQ3 2024vs Q3 2023$4.71B$4.75B
Equity CapitalQ3 2024vs Q3 2023$613.6MM$540.7MM
Loan Loss AllowanceQ3 2024vs Q3 2023$75.8MM$74.2MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$1.5MM$4.5MM
Real Estate OwnedQ3 2024vs Q3 2023$873K$873K
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% $0+
Locations

Availability

Sacramento Area

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