Farmers & Merchants Bank of Central California is headquartered in Lodi, California. It is a state-chartered bank that is not a member of the Federal Reserve System, established 05/24/1916 and insured by the FDIC since 01/01/1934. At the 06/30/2026 reporting date it held $5.8 billion in assets and $5.1 billion in deposits across 34 offices.
Size
By total assets it ranks #256 of 4,213 active FDIC-insured banks in the United States. Among the 115 FDIC-insured banks headquartered in California it ranks #21.
Capital and earnings
| Equity capital | $687 million (11.8% of assets) |
|---|---|
| Net income, year to date | $50 million through 06/30/2026 |
| Return on assets (annualized) | 1.74% |
Equity capital is what the bank owns after subtracting its liabilities; a higher share of assets means a thicker cushion against losses. These are the bank’s own regulatory filings, not a rating or a recommendation.
Is it FDIC insured?
Yes. Farmers & Merchants Bank of Central California holds FDIC certificate number 1331. Deposits are insured up to $250,000 per depositor, per insured bank, per ownership category. You can confirm this on the bank’s FDIC BankFind page.
Other large banks in California
- City National Bank, $99.1 billion in assets
- East West Bank, $84.3 billion in assets
- Banc of California, $34.9 billion in assets
- Axos Bank, $28.9 billion in assets
- Cathay Bank, $24.6 billion in assets
- Mechanics Bank, $21.2 billion in assets
Banks of a similar size
- Bank First, N.A., #254, $5.9 billion in assets
- CTBC Bank Corp. (USA), #255, $5.9 billion in assets
- Westamerica Bank, #257, $5.8 billion in assets
- Emigrant Bank, #258, $5.7 billion in assets
Related
- Credit unions in California
- Top mortgage lenders in California
- California property tax, home prices and banks
- All large US banks
- Compared savings accounts
This page reports regulatory data only. It does not show the bank’s rates or products, which change often and are listed on the bank’s own site. fmbonline.com