TellerScore

Farmers & Merchants Bank of Central California is a state-chartered bank headquartered in Lodi, California, in business for about 110 years. At the end of Q2 2026 it reported $5.8B in total assets and $5.1B in deposits, with 34 offices.

Based on its Q2 2026 filing, Farmers & Merchants Bank of Central California scores 79/100, which we describe as strong. That is higher than 88% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 21st. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is funding & liquidity (49/100; 71% loans-to-deposits, 51% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Tier 1 leverage ratio: 11.65%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.13%
Earnings89/100
Return on assets (annualized): 1.74%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 71.2% · 51.4% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.78%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 79).

TellerScore
767880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202478
Q4 202477
Q1 202580
Q2 202578
Q3 202578
Q4 202578
Q1 202678
Q2 202679
Tier 1 leverage ratio
5.00%8.33%11.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.67%
Q3 202411.34%
Q4 202410.99%
Q1 202511.35%
Q2 202511.21%
Q3 202511.21%
Q4 202510.98%
Q1 202611.31%
Q2 202611.65%
Noncurrent loans
0.00%0.07%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.04%
Q4 20240.03%
Q1 20250.01%
Q2 20250.00%
Q3 20250.03%
Q4 20250.02%
Q1 20260.11%
Q2 20260.13%
Return on assets
1.68%1.71%1.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.68%
Q3 20241.68%
Q4 20241.68%
Q1 20251.71%
Q2 20251.72%
Q3 20251.72%
Q4 20251.73%
Q1 20261.71%
Q2 20261.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$5.8B11.65%0.13%1.74%71.2%
Q1 202678$5.8B11.31%0.11%1.71%69.1%
Q4 202578$5.7B10.98%0.02%1.73%71.7%
Q3 202578$5.6B11.21%0.03%1.72%71.9%
Q2 202578$5.5B11.21%0.00%1.72%74.5%
Q1 202580$5.7B11.35%0.01%1.71%70.4%
Q4 202477$5.4B10.99%0.03%1.68%76.6%
Q3 202478$5.4B11.34%0.04%1.68%77.0%
Q2 202476$5.3B10.67%0.00%1.68%78.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.65%
72nd
Total risk-based capital16.00%
76th
Problem loans0.13%
83rd
Net charge-offs0.01%
69th
Return on assets1.74%
80th
Net interest margin4.21%
78th
Efficiency ratio44.1%
89th
Loans to deposits71.2%
83rd
Uninsured deposits51.4%
8th
Loan-loss reserves2.09%
96th
Texas ratio0.8%
87th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
CTBC Bank Corp. (USA)Bank Los Angeles, CA64 out of 100, Moderate$5.9B14.7%1.55%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Fremont BankBank Fremont, CA60 out of 100, Moderate$6.0B8.4%0.39%vs
River City BankBank Sacramento, CA69 out of 100, Moderate$6.0B9.2%0.00%vs
Five Star BankBank Roseville, CA68 out of 100, Moderate$5.4B10.3%0.30%vs
Smbc ManubankBank Los Angeles, CA54 out of 100, Below average$6.6B9.6%0.30%vs

Deposit insurance

Is my money safe at Farmers & Merchants Bank of Central California?

Yes. Farmers & Merchants Bank of Central California is an FDIC-insured institution (FDIC certificate #1331). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 51.4% of deposits ($2.6B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.00% (benchmark: 10%).

Check how much of your own balance is covered

34 locations

Branches

Farmers & Merchants Bank of Central California lists 29 offices in 20 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers & Merchants Bank of Central California reported 216 home-loan applications under HMDA (LEI OZ7MS5KHJY6WIPGXQW23): 132 originated ($44,760,000 total), 73 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Farmers & Merchants Bank of Central California
Former names
Farmers & Merchants Bank of Lodi
Type
State-chartered bank
FDIC certificate #
1331
RSSD ID
808260
Primary regulator
FDIC
Holding company
Farmers&merchants Bcorp
Established
May 24, 1916
Headquarters
121 W Pine St, Lodi, CA 95240
Employees
378

Quick answers

Farmers & Merchants Bank of Central California: common questions

Is Farmers & Merchants Bank of Central California FDIC insured?

Yes. Farmers & Merchants Bank of Central California is an FDIC-insured institution (FDIC certificate #1331). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers & Merchants Bank of Central California's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers & Merchants Bank of Central California ever failed?

There is no failure record for FDIC certificate #1331 in the FDIC failed bank list.

How many branches does Farmers & Merchants Bank of Central California have?

34 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lodi

InstitutionScoreAssetsCapitalProblem loansCompare
Sacramento Credit UnionCredit union Sacramento, CA96 out of 100, Very strong$858.3M15.1%0.09%vs
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Mokelumne Federal Credit UnionCredit union Lodi, CA88 out of 100, Very strong$56.9M16.0%0.36%vs
El Dorado Savings Bank, F.S.B.Bank Placerville, CA84 out of 100, Strong$2.4B13.4%0.28%vs
California Community Credit UnionCredit union Sacramento, CA79 out of 100, Strong$82.5M12.2%0.07%vs