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BDI
F&

Farmers & Merchants Bank of Central California

Lodi, CaliforniaFDIC Cert #1331

STATEEstablished 191634 branches

Holding company: FARMERS&MERCHANTS BCORPRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
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

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$5.84B
+2.7%y/y
Percentile by value63rd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICASSET
Deposits
$5.12B
+2.8%y/y
Percentile by value66th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICDEP
Gross loans
$3.62B
+0.9%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSGR
Net loans
$3.54B
+0.9%y/y
Percentile by value52nd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
Securities
$1.61B
+28.3%y/y
Percentile by value85th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICSC
Cash
$388M
−36.5%y/y
Percentile by value69th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICCHBAL
Liabilities
$5.17B
+2.0%y/y
Percentile by value62nd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLIAB
Equity
$664M
+8.1%y/y
Peer standing68th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$61.9M
+6.0%y/y
Peer standing64th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNIM + NONII
NII
$56.7M
+6.4%y/y
Peer standing73rd percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNIM
Noninterest income
$5.22M
+1.8%y/y
Peer standing30th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNONII
Provision
$500K
+66.7%y/y
Percentile by value35th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICELNATR
Pretax income
$33.1M
−0.7%y/y
Peer standing82nd percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICPTAXNETINC
Net income
$24.6M
+3.7%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICNETINC