Farmers & Merchants Bank of Central California: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Lodi, Farmers & Merchants Bank of Central California serves the California market as a community-focused commercial bank. On its most recent Q2 2026 call report, Farmers & Merchants Bank of Central California reported $5.8B in total assets against $5.1B in deposits. Profitability is strong, 1.77% ROA, paired with 15.19% ROE and a 4.17% net interest margin. Regulatory capital is solid, 14.74% CET1 and 16.00% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.26%. Farmers & Merchants Bank of Central California operates a 34-branch network.
As of June 30, 2026, Farmers & Merchants Bank of Central California reported a CET1 capital ratio of 14.74%, a return on assets of 1.77%, a nonperforming-loan ratio of 0.26%, a Texas ratio of 1.70%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 121 W Pine St, Lodi, CA 95240
- County
- San Joaquin
- Metro Area
- Stockton-Lodi, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 24, 1916
- Offices
- 34 domestic
- Employees (FTE)
- 378
- Domestic deposits
- $5.10B
- Allowance for credit losses
- $77.3M
- Net charge-offs (YTD)
- $121K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1331
- Fed RSSD
- 808260
- SEC CIK
- 1085913 → filed by FARMERS & MERCHANTS BANCORP
- Website
- www.fmbonline.com →
- Parent Holding Company
- FARMERS & MERCHANTS BANCORP (RSSD 2781910) · FMCB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Steinwert Kent A | CEO | President/CEO |
| Olson Bart R | CFO | Executive Vice President, CFO |
| Weubbe John W | CCO | EVP, Chief Credit Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Farmers & Merchants Bank of Central California terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Farmers & Merchants Bank of Central California, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Farmers & Merchants Bank of Central California rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Farmers & Merchants Bank of Central California: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.74% | 1.77% | 0.26% | 1.70% | 4.17% |
| Q1 2026 | 14.40% | 1.71% | 0.21% | 1.50% | 4.18% |
| Q4 2025 | 13.99% | 1.71% | 0.21% | 1.08% | 4.19% |
| Q3 2025 | 13.98% | 1.74% | 0.16% | 0.96% | 4.20% |
| Q2 2025 | 14.13% | 1.68% | 0.07% | 0.56% | 4.07% |
| Q1 2025 | 14.01% | 1.74% | 0.08% | 0.55% | 4.16% |
| Q4 2024 | 13.30% | 1.70% | 0.39% | 2.33% | 4.12% |
| Q3 2024 | 13.72% | 1.68% | 0.02% | 0.35% | 4.11% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 31 branches →
| 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 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 11, 2018 | M&A | merger | SEC |
| October 11, 2018 | Structure Change | Acquired Bank of Rio Vista Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 19, 2016 | M&A | merger | SEC |
| November 19, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 19, 2016 | Structure Change | Acquired Delta Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 23, 1985 | M&A | failure_government_assistance_provided | SEC |
| March 23, 1985 | Structure Change | Acquired Golden Valley Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 22, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Farmers & Merchants Bank of Central California, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in CA, rank 34 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 216 applications, 132 loans originated, $44.8M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Farmers & Merchants Bank of Central California
What are Farmers & Merchants Bank of Central California's total assets?
As of the Q2 2026 filing, Farmers & Merchants Bank of Central California reported total assets of $5.83 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers & Merchants Bank of Central California headquartered?
Farmers & Merchants Bank of Central California is headquartered in Lodi, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers & Merchants Bank of Central California founded?
Farmers & Merchants Bank of Central California was established in 1916, per the FDIC institution directory.
Is Farmers & Merchants Bank of Central California FDIC-insured?
Yes. Farmers & Merchants Bank of Central California is an FDIC-insured commercial bank (FDIC Certificate #1331). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers & Merchants Bank of Central California?
Farmers & Merchants Bank of Central California's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers & Merchants Bank of Central California's CET1 capital ratio?
Farmers & Merchants Bank of Central California reported a Common Equity Tier 1 (CET1) capital ratio of 14.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers & Merchants Bank of Central California operate?
Farmers & Merchants Bank of Central California operates 34 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers & Merchants Bank of Central California's Texas Ratio?
Farmers & Merchants Bank of Central California's Texas Ratio is 1.70% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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