$5.84B
+2.7%y/y
Percentile by value63rd percentileby value
FDIC
ASSETF&
Farmers & Merchants Bank of Central California
Lodi, CaliforniaFDIC Cert #1331
STATEEstablished 191634 branches
Holding company: FARMERS&MERCHANTS BCORPRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFarmers & Merchants Bank of Central California reported $5.84B in total assets. Deposits grew 2.78% over the prior year.
Return on assets was 1.71%, compared with the official FFIEC UBPR peer median of 1.32%. The leverage ratio was 11.31%.
- Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
- Why is Net Loan Growth, Year over Year below its official FFIEC UBPR peers?
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$5.12B
+2.8%y/y
Percentile by value66th percentileby value
FDIC
DEP$3.54B
+0.9%y/y
Percentile by value52nd percentileby value
FDIC
LNLSNET1.71%
−1 bpsy/y
Peer standing83rd percentile
FDIC
NETINC + ROA45.52%
+333 bpsy/y
Peer standing87th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.31%
−3 bpsy/y
Peer standing72nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 236 ffiec ubpr peer group 3 — insured commercial banks having assets between $3 billion and $10 billion.
Side-by-side comparison
Farmers & Merchants Bank of Central California beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.71%
Registry median
1.32%
This bank
14.93%
FFIEC trimmed average
12.46%
This bank
4.20%
Registry median
3.67%
This bank
45.52%
Registry median
57.00%
This bank
+2.78%
FFIEC trimmed average
+6.67%
This bank
+0.89%
FFIEC trimmed average
+7.20%
This bank
0.11%
FFIEC trimmed average
0.74%
This bank
11.31%
FFIEC trimmed average
10.62%
This bank
1.67%
Registry median
2.61%
This bank
170%
Registry median
235%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.71%
Registry median
1.14%
This bank
14.93%
FFIEC trimmed average
8.46%
This bank
4.20%
Registry median
3.81%
This bank
45.52%
Registry median
60.62%
This bank
+2.78%
FFIEC trimmed average
+7.13%
This bank
+0.89%
FFIEC trimmed average
+8.24%
This bank
0.11%
FFIEC trimmed average
0.66%
This bank
11.31%
FFIEC trimmed average
12.75%
This bank
1.67%
Registry median
2.85%
This bank
170%
Registry median
256%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $4.92B | $4.41B |
| Q3 2021 | $5.1B | $4.57B |
| Q4 2021 | $5.18B | $4.64B |
| Q1 2022 | $5.42B | $4.84B |
| Q2 2022 | $5.33B | $4.77B |
| Q3 2022 | $5.47B | $4.91B |
| Q4 2022 | $5.33B | $4.76B |
| Q1 2023 | $5.13B | $4.54B |
| Q2 2023 | $5.25B | $4.64B |
| Q3 2023 | $5.38B | $4.75B |
| Q4 2023 | $5.31B | $4.67B |
| Q1 2024 | $5.72B | $4.96B |
| Q2 2024 | $5.27B | $4.6B |
| Q3 2024 | $5.42B | $4.71B |
| Q4 2024 | $5.38B | $4.71B |
| Q1 2025 | $5.68B | $4.98B |
| Q2 2025 | $5.48B | $4.76B |
| Q3 2025 | $5.63B | $4.91B |
| Q4 2025 | $5.69B | $4.99B |
| Q1 2026 | $5.84B | $5.12B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $416M |
| Investor CRE | $939M |
| Multifamily | $122M |
| Construction | $132M |
| 1–4 family | $427M |
| C&I | $462M |
| Agriculture | $951M |
| Other | $167M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.71%83rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.74%Median 1.32%90th 1.92%Observations 236
ROE
FDIC
NETINC + ROE14.93%74th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.84%Median 12.52%90th 17.99%Observations 236
NIM
FDIC
NIM + NIMY4.20%81st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.82%Median 3.67%90th 4.51%Observations 236
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR45.52%87th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.39%Median 57.00%90th 72.99%Observations 236
Deposits YoY
FDIC
DEP+2.78%33rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.73%Median +5.18%90th +19.87%Observations 236
Loans YoY
FDIC
LNLSNET+0.89%19th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.10%Median +6.78%90th +19.98%Observations 236
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.11%6th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.15%Median 0.62%90th 1.72%Observations 236
Leverage
FDIC
RBC1AAJ11.31%72nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.00%Median 10.35%90th 13.08%Observations 236
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.67%94th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.61%90th 3.59%Observations 236
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC170%23rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 104%Median 235%90th 346%Observations 214
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.71%85th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.01%Median 1.14%90th 1.92%Observations 109
ROE
FDIC
NETINC + ROE14.93%84th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.08%Median 8.62%90th 15.99%Observations 109
NIM
FDIC
NIM + NIMY4.20%74th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.95%Median 3.81%90th 4.98%Observations 109
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR45.52%83rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 39.54%Median 60.62%90th 93.55%Observations 109
Deposits YoY
FDIC
DEP+2.78%36th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.16%Median +5.34%90th +22.92%Observations 109
Loans YoY
FDIC
LNLSNET+0.89%18th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.56%Median +7.75%90th +21.58%Observations 107
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.11%27th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 2.34%Observations 108
Leverage
FDIC
RBC1AAJ11.31%40th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.46%Median 11.72%90th 18.85%Observations 109
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.67%91st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.69%Median 2.85%90th 3.93%Observations 108
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC170%19th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 105%Median 256%90th 386%Observations 73
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 34 branches
- Headquarters
- Lodi, CA
FDIC
OFFDOMOpen the California dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data