Farmers & Merchants Bank of Central California
Lodi, CA · Owner: Farmers & Merchants Bcorp
$5.8B
total assets, June 30, 2026
$5.8B
total assets, June 30, 2026
Farmers & Merchants Bank of Central California is a state nonmember bank based in Lodi, CA, owned by Farmers & Merchants Bcorp. As of June 30, 2026 it held $5.8 billion in assets and $5.1 billion in deposits; assets were up 6.5% from a year before. It has 31 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$5.8B
+6.5% in a year · 0.0% in a quarter
Deposits
$5.1B
+7.0% in a year · -0.5% in a quarter
Loans
$3.7B
+2.2% in a year · +2.4% in a quarter
Profit so far
$50.2M
Jan 1 to Jun 30, 2026 · +6.1% in a year
Capital ratio
11.65%
+0.45 pts in a year
Return on assets
1.74%
+0.02 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 121 W Pine St, Lodi, CA, 95240
- County
- San Joaquin
- Holding company
- Farmers & Merchants Bcorp
- Established
- May 24, 1916
- Employees
- 378
- Branches
- 31
- Website
- www.fmbonline.com
- Id
- b1331
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
31 offices as of June 30, 2026, holding $5.1 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| California | 31 | $5.1B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Farmers & Merchants Bank Of Central California (main office) | Lodi, CA | $947M |
| Modesto Main Branch | Modesto, CA | $415M |
| Stockton Main Branch | Stockton, CA | $382M |
| Linden Branch | Linden, CA | $380M |
| Walnut Creek Branch | Walnut Creek, CA | $378M |
| Turlock Main Branch | Turlock, CA | $252M |
| Capitol Branch | Sacramento, CA | $240M |
| Hilmar Branch | Hilmar, CA | $213M |
| Geer Road Branch | Turlock, CA | $168M |
| Galt Branch | Galt, CA | $163M |
Related pages
Questions and answers
How big is Farmers & Merchants Bank of Central California?
$5.8 billion in total assets and $5.1 billion in deposits as of June 30, 2026, with assets up 6.5% from a year before. Its loans were $3.7 billion.
How many branches does Farmers & Merchants Bank of Central California have?
31 branches in California as of June 30, 2026.
Is Farmers & Merchants Bank of Central California profitable?
Yes: it earned $50.2 million from January 1 to June 30, 2026 (up 6.1% from the same months a year before). Its return on assets was 1.74% a year; about 1% is typical.
Who owns Farmers & Merchants Bank of Central California?
Farmers & Merchants Bank of Central California is owned by Farmers & Merchants Bcorp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.