Farmers & Merchants Bank Of Central California vs Tri Counties Bank
Comparing a Bank in Lodi, CA with a Bank in Chico, CA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Farmers & Merchants Bank Of Central California ↗ Bank · Lodi, CA · Est. 1916 | Tri Counties Bank ↗ Bank · Chico, CA · Est. 1975 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Lodi, CA | Chico, CA |
| Total assets | $5.8B | $9.9B |
| Capital ratio | 11.4% | 13.7% |
| Return on assets | 1.7% | 1.4% |
| Deposits | $5.1B | $8.4B |
| Branches | 34 | 76 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 117 | #5 of 117 |
| Established | 1916 | 1975 |
Farmers & Merchants Bank Of Central California
- Assets: $5.8B
- Deposits: $5.1B
- Capital ratio: 11.4%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #1 of 117
Tri Counties Bank
- Assets: $9.9B
- Deposits: $8.4B
- Capital ratio: 13.7%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #5 of 117
Are both institutions federally insured?
Yes. Farmers & Merchants Bank Of Central California is FDIC-insured and Tri Counties Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Farmers & Merchants Bank Of Central California or Tri Counties Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Farmers & Merchants Bank Of Central California scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Farmers & Merchants Bank Of Central California safe?
Yes — Farmers & Merchants Bank Of Central California is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Tri Counties Bank safe?
Yes — Tri Counties Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Farmers & Merchants Bank Of Central California vs Tri Counties Bank?
Farmers & Merchants Bank Of Central California has a capital ratio of 11.4%, placing it in the top 31% of $1B–10B peers. Tri Counties Bank's ratio is 13.7%, placing it in the top 11% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Farmers & Merchants Bank Of Central California have compared to Tri Counties Bank?
The CFPB database shows 0 complaints against Farmers & Merchants Bank Of Central California, and 0 complaints against Tri Counties Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Farmers & Merchants Bank Of Central California with other Banks in California
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
