Bank call report · Lodi, CA
Farmers & Merchants Bank of Central California Call Report
BankRegReports is independent of Farmers & Merchants Bank of Central California and never asks for online banking logins or passwords.
Farmers & Merchants Bank of Central California filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 436 reported line items, schedule by schedule (925 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 808260 |
| FDIC certificate number | 1331 |
| Total assets | $5.83B |
Official Q2 2026 call report PDF (FFIEC) →
Farmers & Merchants Bank of Central California call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · Farmers & Merchants Bank of Central California balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $5.83B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $5.83B |
| Total Liabilities and Minority Interest | RCON2948 | $5.15B |
| Total Deposits | RCON2200 | $5.10B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $3.70B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $3.63B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $3.50B |
| Deposits: Noninterest-bearing | RCON6631 | $1.60B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $932.5M |
| Held-to-maturity Securities, Total | RCON1754 | $696.5M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $696.0M |
| Total Equity Capital | RCON3210 | $686.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $686.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $566.0M |
| Other Assets | RCON2160 | $217.9M |
| Interest-bearing Balances | RCON0071 | $186.0M |
| Surplus | RCON3839 | $132.3M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $95.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $77.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $66.4M |
| Other Liabilities, Total | RCON2930 | $51.2M |
| Intangible Assets | RCON2143 | $12.1M |
| Accumulated Other Comprehensive Income | RCONB530 | -$11.5M |
| Goodwill | RCON3163 | $11.2M |
| Other Real Estate Owned | RCON2150 | $1.0M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $37K |
| Common Stock | RCON3230 | $1K |
Schedule RI: Income Statement (50 items)
About Schedule RI · Farmers & Merchants Bank of Central California income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $143.4M |
| Net Interest Income | RIAD4074 | $113.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $104.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $68.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $68.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $67.1M |
| Total Noninterest Expense | RIAD4093 | $55.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $50.2M |
| Net Income (Loss) | RIAD4340 | $50.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $50.2M |
| Salaries and Employee Benefits | RIAD4135 | $40.0M |
| Total Interest Expense | RIAD4073 | $29.6M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $26.1M |
| Applicable Income Taxes | RIAD4302 | $17.9M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $17.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $16.6M |
| Total Noninterest Income | RIAD4079 | $10.3M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $9.9M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $9.6M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $9.6M |
| Other Noninterest Expense | RIAD4092 | $9.2M |
| Other Noninterest Income | RIADB497 | $7.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $6.9M |
| Income from Lease Financing Receivables | RIAD4065 | $5.5M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $5.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $4.7M |
| Interest on Other Securities | RIAD4060 | $3.7M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $3.1M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $2.9M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $1.9M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.4M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $1.3M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.0M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.0M |
| Other Interest Income | RIAD4518 | $824K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $365K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $340K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $242K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $239K |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $239K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $201K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $128K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $111K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $45K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $42K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $30K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $8K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $3K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 378 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $281.9M |
| Balances Due from Federal Reserve Banks | RCON0090 | $185.7M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $72.2M |
| Currency and Coin | RCON0080 | $22.7M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $1.3M |
Schedule RC-B: Securities (42 items)
About Schedule RC-B · Farmers & Merchants Bank of Central California securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $5.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $5.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $828.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $810.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $567.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $450.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $13.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $12.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $59.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $49.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $1.22B |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $947.8M |
| Pledged Securities | RCON0416 | $714.9M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $568.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $145.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $88.6M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $69.8M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $69.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $69.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $65.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $64.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $31.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $19.7M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $19.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $17.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $14.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $12.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $12.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $11.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $9.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $7.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $7.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $6.8M |
| Fair Value of Available-for-sale Other Foreign Debt Securities | RCON1746 | $5.0M |
| Amortized Cost of Available-for-sale Other Foreign Debt Securities | RCON1744 | $5.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $1.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $1.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $1.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $1.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $1.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $457K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $446K |
Schedule RC-C, Part I: Loans and Leases (47 items)
About Schedule RC-C, Part I · Farmers & Merchants Bank of Central California loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $3.70B |
| Pledged Loans and Leases | RCONG378 | $2.47B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $1.05B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $926.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $771.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $688.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $646.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $617.0M |
| Commercial and Industrial Loans | RCON1766 | $528.9M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $528.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $521.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $435.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $363.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $328.0M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $257.9M |
| All Other Lease Financing Receivables | RCONF163 | $180.2M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $180.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $153.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $152.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $122.5M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $106.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $86.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $52.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $41.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $40.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $31.9M |
| Unearned Income on Loans | RCON2123 | $17.6M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $12.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $10.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $8.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $7.9M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $6.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $6.4M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $5.5M |
| Other Loans | RCONJ464 | $5.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $4.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $4.1M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $2.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $1.9M |
| Itemize Loans Secured by Farmland That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK166 | $1.9M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $808K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $712K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $444K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $87K |
| Itemize Loans to Finance Agricultural Production and Other Loans to Farmers That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK168 | $43K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $94.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $48.6M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $10.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $8.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $8.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $1.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $906K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $209K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $157K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 213 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 207 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 205 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 126 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 121 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 64 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 39 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 38 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 31 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 11 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
Schedule RC-E: Deposit Liabilities (37 items)
About Schedule RC-E · Farmers & Merchants Bank of Central California deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $4.21B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $4.13B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $3.10B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $1.94B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $1.14B |
| Total Demand Deposits (See Note Below) | RCON2210 | $888.2M |
| Total Transaction Accounts | RCON2215 | $888.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $662.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $401.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $399.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $369.8M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $340.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $332.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $262.7M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $226.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $209.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $209.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $136.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $132.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $123.5M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $102.3M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $100.6M |
| Total reciprocal deposits | RCONJH83 | $88.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $80.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $80.0M |
| Total Brokered Deposits | RCON2365 | $80.0M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $73.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $73.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $48.8M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $38.7M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $28.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $13.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $8.5M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $4.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $661K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $1K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $77.9M |
| Other Assets | RCON2168 | $77.0M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $51.1M |
| Accrued Interest Receivable | RCONB556 | $28.8M |
| Net Deferred Tax Assets | RCON2148 | $18.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $15.5M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $1.1M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $25.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $16.3M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $12.9M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $6.5M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $3.3M |
| Deferred Compensation Liabilities | RCONC011 | $1.1M |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Farmers & Merchants Bank of Central California quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $5.79B |
| Quarterly Average of Total Loans | RCON3360 | $3.48B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $3.13B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $2.34B |
| Mortgage-backed Securities | RCONB559 | $1.47B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $803.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $485.7M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $441.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $403.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $343.7M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $262.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $201.3M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $175.5M |
| All Other Securities | RCONB560 | $167.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $4.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $1.9M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (11 items)
About Schedule RC-L · Farmers & Merchants Bank of Central California derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $591.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $237.1M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $172.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $80.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $31.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $19.6M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $16.9M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $16.9M |
| Amount of Financial Standby Letters of Credit Conveyed to Others | RCON3820 | $12.5M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $8.4M |
| Performance Standby Letters of Credit | RCON3821 | $1.6M |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Farmers & Merchants Bank of Central California memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $13.6M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $1.0M |
| All other intangible assets | RCONJF76 | $922K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (10 items)
About Schedule RC-N · Farmers & Merchants Bank of Central California past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.7M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 90 Days or More and Still Accruing | RCON3494 | $2.3M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $2.3M |
| Additions to Nonaccrual Assets | RCONC410 | $2.0M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $1.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $712K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $230K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $207K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $203K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $4K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Farmers & Merchants Bank of Central California other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $5.79B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $5.10B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $3.10B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $2.62B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.95B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $656.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $40.0M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $9.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 109,239 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 3,312 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 1,356 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 23 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $932.5M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $932.5M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $932.5M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $932.5M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $36K |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $36K |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Farmers & Merchants Bank of Central California regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (26 items)
About Schedule RC-R, Part I · Farmers & Merchants Bank of Central California regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $5.79B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $5.76B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $4.56B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $728.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $686.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $671.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $671.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $671.5M |
| Retained Earnings | RCOAKW00 | $566.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $132.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $57.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $57.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $57.2M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $26.8M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $14.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$11.5M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $11.2M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$10.6M |
| Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP848 | -$918K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $649K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.16 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1474 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1474 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1165 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.08 |
Schedule RC-R, Part II: Risk-Weighted Assets (60 items)
About Schedule RC-R, Part II · Farmers & Merchants Bank of Central California risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $4.58B |
| Total Risk-weighted Assets | RCONG641 | $4.56B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $3.96B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $3.96B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $3.48B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $3.26B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $3.11B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $1.65B |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $1.65B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $932.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $897.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $829.2M |
| Total Held-to-maturity Securities | RCOND961 | $696.0M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $647.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $574.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $574.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $442.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $414.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $414.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $379.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $329.9M |
| Total All Other Assets | RCOND981 | $297.4M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $287.1M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $281.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $273.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $263.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $225.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $225.7M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $208.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $136.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$89.7M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $73.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $62.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $52.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $52.6M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $46.5M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $24.6M |
| Unconditionally Cancellable Commitments | RCONS540 | $20.7M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $19.8M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $19.6M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $19.6M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $19.6M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $16.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$15.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $14.8M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $10.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $10.6M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $3.4M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $2.7M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $2.7M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $2.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $1.6M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $908K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $809K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $809K |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$450K |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $253K |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $127K |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $127K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $64K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $686.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $653.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $653.0M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $8.4M |
| Other Comprehensive Income | RIADB511 | -$8.0M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | -$35K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (11 items)
About Schedule RI-B, Part I · Farmers & Merchants Bank of Central California charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $596K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $579K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $475K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $340K |
| Recoveries on All Other Loans | RIAD4628 | $78K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $76K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $40K |
| Charge-offs on All Other Loans | RIAD4644 | $16K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $14K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $3K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (5 items)
About Schedule RI-B, Part II · Farmers & Merchants Bank of Central California changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $77.3M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $76.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $596K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $450K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $450K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $3.70B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $2.23B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $955.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $404.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $115.2M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $77.3M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $46.0M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $21.3M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $7.7M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $3.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $2.1M |
| Held to Maturity Securities, Securities issued by states and poilitical subdivisions in the US | RCONJJ20 | $450K |
| Held to Maturity Securities, Total | RCONJJ25 | $450K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $227K |
Schedule RI-E: Explanations (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $3.0M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $1.4M |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $995K |
| Marketing and Other Professional Services | RIAD0497 | $990K |
| Legal Expense | RIAD4141 | $938K |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $762K |
| Consulting and Advisory Expense | RIADF557 | $652K |
Farmers & Merchants Bank of Central California call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Farmers & Merchants Bank of Central California call report?
The Farmers & Merchants Bank of Central California call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Farmers & Merchants Bank of Central California file?
Farmers & Merchants Bank of Central California files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Farmers & Merchants Bank of Central California call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Farmers & Merchants Bank of Central California has Federal Reserve RSSD ID 808260 and FDIC certificate number 1331. Either one finds its filings on the FFIEC Central Data Repository.
How often does Farmers & Merchants Bank of Central California file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Farmers & Merchants Bank of Central California financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 1331) · FFIEC NIC profile (RSSD 808260)