C
Farmers & Merchants Bank of Central California
Lodi,  CA
Rating Date
October 2025
Risk Based
Capital Ratio
15.24
Leverage
Ratio
11.21
Return On
Assets
1.72%
Total
Assets
5.63B
Capital
632.64M
Total
Deposits
4.91B
Net
Income
71.69M
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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 7.80
Capitalization Index 7.70
Liquidity Index 1.80
Profitability Index 9.60
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 3.89%
5-Year Asset Growth 8.88%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 0.49%
Non-Performing Loans to Loans 0.16%
Balance Sheet Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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Total Assets 5.63B
Total Deposits 4.91B
Capital and Reserves Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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Capital 632.64M
Leverage Ratio 11.21
Loan Loss Reserves to Loans 2.11%
Risk-Based Capital Ratio 15.24
Liquidity Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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Hot Money Ratio 12.48%
Liquidity Ratio 21.88%
Profitability Farmers & Merchants Bank of Central California
Lodi, CA 		Click to
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5-Year Return on Average Assets 1.54%
Net Income 71.69M
Net Interest Spread 4.14%
Operating Profit to Average Assets 2.38%
Overhead Efficiency Ratio 43.75%
Return on Assets 1.72%
Return on Equity 15.48%