C
Farmers & Merchants Bank of Central California
Lodi,  CA
Rating Date
August 2026
Risk Based
Capital Ratio
16.00
Leverage
Ratio
11.65
Return On
Assets
1.74%
Total
Assets
5.83B
Capital
686.82M
Total
Deposits
5.10B
Net
Income
50.22M
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Weiss Ratings Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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Rating C
Asset Quality Index 8.00
Capitalization Index 8.50
Liquidity Index 2.00
Profitability Index 9.70
Stability Index 5.00
Company Info Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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FDIC Number 1331
Phone Number (209) 367-2300
Website www.fmbonline.com
Asset Quality Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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1-Year Asset Growth 6.48%
5-Year Asset Growth 5.00%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.18%
Non-Performing Loans to Capital 1.12%
Non-Performing Loans to Loans 0.26%
Balance Sheet Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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Total Assets 5.83B
Total Deposits 5.10B
Capital and Reserves Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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Capital 686.82M
Leverage Ratio 11.65
Loan Loss Reserves to Loans 2.09%
Risk-Based Capital Ratio 16.00
Liquidity Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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Hot Money Ratio 11.97%
Liquidity Ratio 23.22%
Profitability Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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5-Year Return on Average Assets 1.59%
Net Income 50.22M
Net Interest Spread 4.17%
Operating Profit to Average Assets 2.37%
Overhead Efficiency Ratio 44.32%
Return on Assets 1.74%
Return on Equity 15.06%