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Farmers & Merchants Bank of Central California Locations & Branches Lodi, California
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Farmers & Merchants Bank of Central California operates 31 branches from its headquarters in Lodi, CA, . Its main office is at 121 W Pine St, Lodi, CA 95240.
Farmers & Merchants Bank of Central California branch network
All 31 branches are in CALIFORNIA, across 20 cities. Lodi, CA has the most of its branches, 6. Its largest office by deposits is its main office in Lodi, CA, with $946.8M (18.6% of its branch deposits). It had the same number of branches on June 30, 2025.
Farmers & Merchants Bank of Central California at a glance
Its CET1 capital ratio was 15.08% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q3 2026
- $5.70B
- CET1 ratio, Q3 2026
- 15.08%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q3 2026, FFIEC 041
- Established
- 1916
Full financial profile · Is Farmers & Merchants Bank of Central California safe? · Farmers & Merchants Bank of Central California call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Lodi, CA (6 branches) | 1 of 13 | 38.1% | $1.22B |
| State: CA (31 branches) | 34 of 164 | 0.3% | $5.10B |
Ranked by total assets among banks headquartered in the state: Largest banks in California.
Share by county and metro area
Farmers & Merchants Bank of Central California's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| San Joaquin, CA (11 branches) | 4 of 15 | 14.1% | $2.22B | $15.69B |
| Stanislaus, CA (6 branches) | 5 of 17 | 9.4% | $1.07B | $11.41B |
| Sacramento, CA (6 branches) | 9 of 30 | 1.1% | $778.9M | $72.87B |
| Contra Costa, CA (3 branches) | 13 of 30 | 0.9% | $431.2M | $50.49B |
| Merced, CA (2 branches) | 5 of 10 | 9.8% | $329.4M | $3.37B |
| Solano, CA (1 branch) | 9 of 11 | 2.4% | $162.3M | $6.70B |
| Napa, CA (1 branch) | 11 of 13 | 1.3% | $57.7M | $4.34B |
| Alameda, CA (1 branch) | 35 of 37 | <0.1% | $44.9M | $69.04B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Stockton, CA (11 branches) | 4 of 15 | 14.1% | $2.22B | $15.69B |
| Modesto, CA (6 branches) | 5 of 17 | 9.4% | $1.07B | $11.41B |
| Sacramento-Roseville-Folsom, CA (6 branches) | 14 of 37 | 0.8% | $778.9M | $96.40B |
| San Francisco-Oakland-Berkeley, CA (4 branches) | 36 of 69 | <0.1% | $476.1M | $512.45B |
| Merced, CA (2 branches) | 5 of 10 | 9.8% | $329.4M | $3.37B |
| Vallejo, CA (1 branch) | 9 of 11 | 2.4% | $162.3M | $6.70B |
| Napa, CA (1 branch) | 11 of 13 | 1.3% | $57.7M | $4.34B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers & Merchants Bank of Central California (main office) | Lodi, CA | 95240 | $946.8M |
| Modesto Main Branch | Modesto, CA | 95350 | $414.6M |
| Stockton Main Branch | Stockton, CA | 95207 | $382.1M |
| Linden Branch | Linden, CA | 95236 | $379.7M |
| Walnut Creek Branch | Walnut Creek, CA | 94596 | $377.8M |
| Turlock Main Branch | Turlock, CA | 95380 | $252.4M |
| Capitol Branch | Sacramento, CA | 95814 | $240.4M |
| Hilmar Branch | Hilmar, CA | 95324 | $213.0M |
| Geer Road Branch | Turlock, CA | 95382 | $167.7M |
| Galt Branch | Galt, CA | 95632 | $163.3M |
| Rio Vista Br | Rio Vista, CA | 94571 | $162.3M |
| Manteca Branch | Manteca, CA | 95336 | $160.2M |
| Merced Branch | Merced, CA | 95340 | $116.4M |
| Modesto Carpenter Road Branch | Modesto, CA | 95351 | $114.0M |
| Vineyard Branch | Lodi, CA | 95240 | $112.7M |
| Walnut Grove Office | Walnut Grove, CA | 95690 | $112.5M |
| Elk Grove Branch | Elk Grove, CA | 95624 | $107.6M |
| Galt Village Office Branch | Galt, CA | 95632 | $92.3M |
| Woodlake Plaza Office Branch | Lodi, CA | 95242 | $89.3M |
| Riverbank Branch | Riverbank, CA | 95367 | $78.5M |
| Southgate Branch | Sacramento, CA | 95823 | $62.8M |
| Vintner Square Branch | Lodi, CA | 95242 | $60.8M |
| Napa Branch | Napa, CA | 94558 | $57.7M |
| Lincoln Center Branch | Stockton, CA | 95207 | $57.0M |
| Modesto Vintage Faire Branch | Modesto, CA | 95356 | $47.2M |
| Montclair Branch | Oakland, CA | 94611 | $44.9M |
| Concord Branch | Concord, CA | 94518 | $39.3M |
| Lockeford | Lockeford, CA | 95237 | $19.8M |
| Danville Branch | Danville, CA | 94526 | $14.0M |
| Lodi Avenue Auto Branch | Lodi, CA | 95240 | $9.2M |
| Lodi Grape Festival Seasonal Branch | Lodi, CA | 95240 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 1331) · FFIEC NIC profile (RSSD 808260)