Bank Comparison
Farmers & Merchants Bank of Central California vs Banesco USA
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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winning metrics across 14 scored rows
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Capital adequacy
| Metric | Farmers & Merchants Bank of Central California | Banesco USA |
|---|---|---|
| CET1 Ratio | 14.74% | — |
| Tier 1 Capital Ratio | 14.74% | — |
| Total Capital Ratio | 16.00% | — |
| Tier 1 Leverage Ratio | 11.65% | 11.46% |
| Equity / Assets | 11.77% | 10.47% |
Profitability
| Metric | Farmers & Merchants Bank of Central California | Banesco USA |
|---|---|---|
| Return on Assets (ROA) | 1.77% | 1.66% |
| Return on Equity (ROE) | 15.19% | 15.67% |
| Net Interest Margin (NIM) | 4.17% | 3.60% |
| Yield on Earning Assets | 5.25% | 5.57% |
| Cost of Funds | 0.94% | 2.11% |
Asset quality
| Metric | Farmers & Merchants Bank of Central California | Banesco USA |
|---|---|---|
| Texas Ratio | 1.70% | 2.95% |
| Non-Performing Loan Ratio | 0.26% | 0.49% |
| Non-Performing Asset Ratio | 0.18% | 0.33% |
| Net Charge-Off Ratio | 0.02% | 0.17% |
| ACL / Loans | 2.09% | 0.95% |
Balance sheet
| Metric | Farmers & Merchants Bank of Central California | Banesco USA |
|---|---|---|
| Total Assets | $5.83B | $5.98B |
| Total Deposits | $5.10B | $5.17B |
| Total Loans | $3.70B | $3.96B |
| Total Equity | $686.8M | $626.4M |
| Net Income (quarter) | $25.6M | $24.0M |
Liquidity & funding
| Metric | Farmers & Merchants Bank of Central California | Banesco USA |
|---|---|---|
| Loan-to-Deposit Ratio | 72.68% | 76.68% |
| Core Deposit Ratio | 90.56% | 71.96% |
| Uninsured Deposit Ratio | 51.44% | 51.61% |
Identity
| Metric | Farmers & Merchants Bank of Central California | Banesco USA |
|---|---|---|
| Headquarters City | Lodi | Miami |
| Headquarters State | CA | FL |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 34 | 6 |
| Employees (FTE) | 378 | 500 |
| Established | May 24, 1916 | January 10, 2006 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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