C
Farmers & Merchants Bank of Central California
Lodi,  CA
Rating Date
March 2026
Risk Based
Capital Ratio
15.24
Leverage
Ratio
10.98
Return On
Assets
1.72%
Total
Assets
5.69B
Capital
652.99M
Total
Deposits
4.99B
Net
Income
96.27M
My Lists My Alerts
Weiss Ratings Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating C
Asset Quality Index 7.90
Capitalization Index 7.50
Liquidity Index 1.90
Profitability Index 9.60
Stability Index 5.00
Company Info Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 1331
Phone Number (209) 367-2300
Website www.fmbonline.com
Asset Quality Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 5.88%
5-Year Asset Growth 5.00%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 0.61%
Non-Performing Loans to Loans 0.21%
Balance Sheet Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 5.69B
Total Deposits 4.99B
Capital and Reserves Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 652.99M
Leverage Ratio 10.98
Loan Loss Reserves to Loans 2.09%
Risk-Based Capital Ratio 15.24
Liquidity Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 12.22%
Liquidity Ratio 22.73%
Profitability Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 1.54%
Net Income 96.27M
Net Interest Spread 4.15%
Operating Profit to Average Assets 2.37%
Overhead Efficiency Ratio 43.86%
Return on Assets 1.72%
Return on Equity 15.43%