FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA

LODI, CA | Large | Est. May 24, 1916, midnight | FDIC #1331 | RSSD #808260 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA is aln large FDIC-insured commercial bank headquartered in LODI, CA, established in May 24, 1916, midnight. As of 2025-12-31, the bank reported total assets of $5.7B and total deposits of $5.0B. Profitability stands at 1.74% ROA and 15.29% ROE, with a net interest margin of 4.34%. The bank's CET1 capital ratio is 13.99%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.10%. FDIC Certificate #1331.

Assets

$5.7B

Deposits

$5.0B

Loans

$3.6B

Equity

$653M

Profitability

Return on Assets (ROA) 1.74%
Return on Equity (ROE) 15.29%
Net Interest Margin (NIM) 4.34%
Yield on Assets 5.47%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.10%
NPA Ratio 0.01%
ACL / Loans 2.09%

Capital & Liquidity

CET1 Ratio 13.99%
Tier 1 Capital 13.99%
Total Capital Ratio 15.24%
Leverage Ratio 10.98%
Loan-to-Deposit 73.19%

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