Farmers & Merchants Bank of Central California
Headquarters
121 W Pine St
Lodi, CA 95240
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2024 Overview
General Bank Information
Farmers & Merchants Bank of Central California is an FDIC insured institution located in Lodi, CA. It was founded in 1916 and has approximately $5.27 billion in assets. Customers can open an account at one of its 34 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 1331 |
| Date Established | 1916 |
| Assets | $ 5.27 billion |
| Loans | $ 3.61 billion |
| Deposits | $ 4.60 billion |
| Capital | $ 586.73 million |
For a more detailed analysis of Farmers & Merchants Bank of Central California's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Farmers & Merchants Bank of Central California
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% |
6.375% 0.88 points $4,010 fees |
$1,997 | Learn More |
NMLS ID: 1025894 |
6.955% |
6.875% 0.63 points $2,594 fees |
$2,103 | Learn More |
NMLS ID: 3030 |
7.325% |
7.250% 0.75 points $2,400 fees |
$2,183 | Learn More |
NMLS ID: 1907 |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.240 %
After Intro: 7.240 % |
$0 |
Learn More
More Info |
Note to Farmers & Merchants Bank of Central California
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Branches
Farmers & Merchants Bank of Central California branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Farmers & Merchants Bank of Central California Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1994.35 | A | View Lobby Hours | |
| 2013.06 | B | View Lobby Hours | |
| 2013.08 | C | View Lobby Hours | |
| 2013.10 | D | View Lobby Hours | |
| 2013.17 | E | View Lobby Hours | |
| 2013.76 | F | View Lobby Hours | |
| 2017.48 | G | View Lobby Hours | |
| 2019.91 | H | View Lobby Hours | |
| 2019.92 | I | View Lobby Hours | |
| 2019.95 | J | View Lobby Hours | |
| 2022.02 | K | View Lobby Hours | |
| 2022.81 | L | View Lobby Hours | |
| 2022.99 | M | View Lobby Hours | |
| 2031.02 | N | View Lobby Hours | |
| 2031.05 | O | View Lobby Hours | |
| 2031.81 | P | View Lobby Hours | |
| 2031.92 | Q | View Lobby Hours | |
| 2032.51 | R | View Lobby Hours | |
| 2032.58 | S | View Lobby Hours | |
| 2033.17 | T | View Lobby Hours | |
| 2033.23 | U | View Lobby Hours | |
| 2033.74 | V | View Lobby Hours | |
| 2034.09 | W | View Lobby Hours | |
| 2034.32 | X | View Lobby Hours | |
| 2035.69 | Y | View Lobby Hours | |
| 2036.07 | Z | View Lobby Hours |
Climate Policy and Initiatives
Farmers & Merchants Bank of Central California is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Farmers & Merchants Bank of Central California Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Farmers & Merchants Bank of Central California. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Farmers & Merchants Bank of Central California | U.S. Bank Average |
|---|---|
| 0.13% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2024, Farmers & Merchants Bank of Central California had $0 in non-current loans and $873,000 in owned real estate. To cover these potential losses it had $586,732,000 in equity and $74,432,000 in loans loss reserves. That gives it a Texas Ratio of 0.13%.
Return on Equity
| Farmers & Merchants Bank of Central California | U.S. Bank Average |
|---|---|
| 15.85% | 10.46% |
Farmers & Merchants Bank of Central California has a Return on Equity of 15.85% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Farmers & Merchants Bank of Central California | U.S. Bank Average |
|---|---|
| 11.13% | 10.84% |
Farmers & Merchants Bank of Central California has a Capitalization of 11.13% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Farmers & Merchants Bank of Central California Balance Sheet Analysis
As of June 30, 2024, Farmers & Merchants Bank of Central California had assets of $5,270,233,000, loans of $3,607,938,000, and deposits of $4,600,442,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 298.60 million |
| Interest-bearing balances | $ 225.68 million |
| Total securities | $ 1,045.45 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 3.61 billion |
| Loan loss allowance | $ 74.43 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.87 million |
| Goodwill and other intangibles | $ 13.15 million |
| All other assets | $ 235.31 million |
| Total Assets | $ 4.68 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 4.60 billion |
| Interest-bearing deposits | $ 3.22 billion |
| Deposits held in domestic offices | $ 4.60 billion |
| % insured (estimated) | 51.77% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 84.09 million |
| Total Liabilities | $ 4.68 billion |
| Shareholders’ Equity | $ 586.73 million |
Summary Income Statement
June 30, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 136.15 million |
| Total Interest Expense | $ 33.26 million |
| Net interest income | $ 102.89 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 9.81 million |
| Total non interest expense | $ 49.88 million |
| Pre-tax Net Operating Income | $ 48.18 million |
Bank Loan Profile?
The top three loan types in Farmers & Merchants Bank of Central California’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.
Compared to other banks in California, Farmers & Merchants Bank of Central California has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 10.87 | ✓ | ||
| Multifamily Mortgages |
2.50 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.12 | ✓ | ||
| Small Business Loans | 2.85 | ✓ | ||
| Construction and Development Loans | 4.51 | ✓ | ||
| Commercial Real Estate | 30.31 | ✓ | ||
| Commercial and Industrial Loans | 12.28 | ✓ | ||
| Farm Loans | 7.28 | ✓ | ||
Customer Reviews for Farmers & Merchants Bank of Central California
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