Farmers & Merchants Bank Of Central California is a bank based in Lodi, California, established in 1916, with $5.8 billion in total assets across 34 branches. By Trust Grade it ranks 1st of 117 banks we track in California. Its capital ratio of 11.4% is stronger than 69% of similarly sized banks, versus a California median of 11.7%. It was profitable over the most recent period, with a 1.71% return on assets. No consumer complaints against Farmers & Merchants Bank Of Central California appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Farmers & Merchants Bank Of Central California compares to California peers
How we graded Farmers & Merchants Bank Of Central California
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.4% capital ratio)
- Strongly profitable (ROA 1.71%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers & Merchants Bank Of Central California over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (34)
- 611 N Main St, Manteca, CA 95336
- 121 S Center St, Turlock, CA 95380
- 1200 C St, Galt, CA 95632
- 18836 West Main Street, Linden, CA 95236
- 121 W Lodi Ave, Lodi, CA 95240
- 3001 Mchenry Ave, Modesto, CA 95350
- 1020 W Kettleman Ln, Lodi, CA 95240
- 8799 Elk Grove Blvd, Elk Grove, CA 95624
- 1521 N Carpenter Rd, Modesto, CA 95351
- 14211 River Rd, Walnut Grove, CA 95690
- 2401 Patterson Rd, Riverbank, CA 95367
- 611 N Main St, Manteca, CA 95336
- 3700 Greer Road, Turlock, CA 95380
- 2711 Mchenry Ave, Modesto, CA 95350
- 19925 First St, Hilmar, CA 95324
- 2340 Geer Rd, Turlock, CA 95382
- 205 Lincoln Ctr, Stockton, CA 95207
- 3500 Dale Rd, Modesto, CA 95356
- 10330 Twin Cities Rd, Galt, CA 95632
- 2401 W Turner Rd, Lodi, CA 95242
- 1303 J St, Sacramento, CA 95814
- 413 E Lockeford St, Lodi, CA 95240
- 1387 S Lower Sacramento Rd, Lodi, CA 95242
- 4612 Mcgaw St, Stockton, CA 95207
- 2936 G St, Merced, CA 95340
- 101 Main St, Rio Vista, CA 94571
- 4430 Florin Rd, Sacramento, CA 95823
- 785 Oak Grove Rd, Concord, CA 94518
- 1330 N Broadway, Walnut Creek, CA 94596
- 1715 Trancas St, Napa, CA 94558
- 18980 N Highway 88, Lockeford, CA 95237
- 6182 Antioch St, Oakland, CA 94611
- 345 Railroad Avenue, Danville, CA 94526
- 121 W Pine St, Lodi, CA 95240
Are deposits at Farmers & Merchants Bank Of Central California insured?
Yes. Farmers & Merchants Bank Of Central California is an FDIC-insured bank (FDIC certificate #1331). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Farmers & Merchants Bank Of Central California: frequently asked questions
Is Farmers & Merchants Bank Of Central California a good bank?
Farmers & Merchants Bank Of Central California earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.4% capital ratio); Strongly profitable (ROA 1.71%).
Is Farmers & Merchants Bank Of Central California FDIC-insured?
Yes. Farmers & Merchants Bank Of Central California is a FDIC-insured bank (FDIC certificate #1331). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers & Merchants Bank Of Central California?
Farmers & Merchants Bank Of Central California holds $5.8 billion in total assets, ranking 1st of 117 banks we track in California. It operates 34 branches.
Does Farmers & Merchants Bank Of Central California have CFPB complaints?
No CFPB complaints against Farmers & Merchants Bank Of Central California appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
