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BankSonar

Farmers & Merchants Bank of Central California

Lodi, CA · State, non-member commercial bank

74

Sonar Score

Stable

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$5.8B
Total deposits
$5.1B
Branches
34
Return on assets
1.71%
Return on equity
14.93%
Charter type
State, non-member commercial bank
Established
1916
FDIC cert #
1331

How the 74 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Strong returns on its asset base.

Return on equityweight 15%

Efficient use of shareholder capital.

Scale & stabilityweight 15%

Mid-size institution.

Read the full Sonar Score methodology →

Your deposits at Farmers & Merchants Bank of Central California

Farmers & Merchants Bank of Central California is an FDIC-insured institution (Cert #1331). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

34 branch locations

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

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