FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA is an 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%. CET1 capital ratio: 13.99%, well above regulatory minimums. NPL ratio: 0.02% · Texas Ratio: 0.10%. Operates 31 domestic branches.
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