BanksFARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA

FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA

LODI, CALargeEst. May 24, 1916, midnightFDIC #1331RSSD #808260FDIC
Latest · 2025-12-31

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.

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 Margin4.34%
Yield on Assets5.47%
Cost of Funds1.19%

Asset Quality

NPL Ratio0.02%
Net Charge-Off Ratio0.05%
Texas Ratio0.10%
NPA Ratio0.01%
ACL / Loans2.09%

Capital & Liquidity

CET1 Ratio13.99%
Tier 1 Capital13.99%
Total Capital Ratio15.24%
Leverage Ratio10.98%
Loan-to-Deposit73.19%

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