Farmers & Merchants Bank of Central California: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers & Merchants Bank of Central California of Lodi, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.77% | 1.43% | +0.34% | 80th top |
| ROAE | 15.19% | 12.50% | +2.69% | 73rd above |
| Net Interest Margin | 4.17% | 3.84% | +0.33% | 78th top |
| Efficiency Ratio | 42.47% | 58.89% | -16.42% | 90th top |
| PPNR / Avg Assets | 2.45% | 1.78% | +0.67% | 87th top |
| Yield on Earning Assets | 5.25% | 5.71% | -0.46% | 32nd below |
| Cost of Funds | 0.94% | 2.03% | -1.09% | 95th top |
| Net Interest Spread | 3.54% | 3.18% | +0.36% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.96% | -0.70% | 76th top |
| NPA / Total Assets | 0.18% | 0.75% | -0.57% | 78th top |
| NCO / Avg Loans | 0.02% | 0.31% | -0.29% | 55th above |
| ACL / Total Loans | 2.09% | 1.25% | +0.84% | 97th top |
| ACL / NPLs (Coverage) | 813.53% | 698.71% | +114.82% | 88th top |
| Texas Ratio | 1.70% | 7.17% | -5.47% | 80th top |
| Provision / NCO | 826.45% | 814.51% | +11.94% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.74% | 17.41% | -2.67% | 67th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.74% | 17.45% | -2.71% | 67th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.00% | 18.50% | -2.50% | 69th above |
| Leverage Ratio | 11.65% | 11.60% | +0.05% | 72nd above |
| Equity / Assets | 11.77% | 11.33% | +0.44% | 73rd above |
| TCE / Tangible Assets | 11.59% | 10.65% | +0.94% | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.68% | 86.37% | -13.69% | 82nd top |
| Core Deposit Ratio | 90.56% | 85.55% | +5.01% | 60th above |
| Uninsured Deposit Ratio | 51.44% | 32.69% | +18.75% | 8th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.48% | 10.46% | -3.98% | 59th above |
| Loan Growth (Y/Y) | 2.21% | 8.00% | -5.79% | 30th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.96% | 7.98% | -1.02% | 62nd above |
See Farmers & Merchants Bank of Central California's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers & Merchants Bank of Central California, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Farmers & Merchants Bank of Central California profile, how to read a UBPR, or how this data updates.