Total Assets
$5.8B
Total Deposits
$5.1B
Branches
34
Established
1916
Farmers & Merchants Bank of Central California is a bank headquartered in Lodi, California, established in 1916. It holds $5.8B in total assets across 34 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Farmers & Merchants Bank of Central California earns a TFS Financial Health Grade of A (91.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
91.3 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Farmers & Merchants Bank of Central CaliforniaHQ | 121 W Pine St | Lodi | CA | 11 |
| Farmers & Merchants Bank of Central California | 785 Oak Grove Rd | Concord | CA | 11 |
| Farmers & Merchants Bank of Central California | 345 Railroad Avenue | Danville | CA | 11 |
| Farmers & Merchants Bank of Central California | 8799 Elk Grove Blvd | Elk Grove | CA | 11 |
| Farmers & Merchants Bank of Central California | 1200 C St | Galt | CA | 11 |
| Farmers & Merchants Bank of Central California | 10330 Twin Cities Rd | Galt | CA | 11 |
| Farmers & Merchants Bank of Central California | 19925 First St | Hilmar | CA | 11 |
| Farmers & Merchants Bank of Central California | 18836 West Main Street | Linden | CA | 11 |
| Farmers & Merchants Bank of Central California | 18980 N Highway 88 | Lockeford | CA | 11 |
| Farmers & Merchants Bank of Central California | 2401 W Turner Rd | Lodi | CA | 12 |
| Farmers & Merchants Bank of Central California | 1387 S Lower Sacramento Rd | Lodi | CA | 11 |
| Farmers & Merchants Bank of Central California | 413 E Lockeford St | Lodi | CA | 29 |
| Farmers & Merchants Bank of Central California | 1020 W Kettleman Ln | Lodi | CA | 11 |
| Farmers & Merchants Bank of Central California | 121 W Lodi Ave | Lodi | CA | 23 |
| Farmers & Merchants Bank of Central California | 611 N Main St | Manteca | CA | 11 |
| Farmers & Merchants Bank of Central California | 611 N Main St | Manteca | CA | 27 |
| Farmers & Merchants Bank of Central California | 2936 G St | Merced | CA | 11 |
| Farmers & Merchants Bank of Central California | 2711 Mchenry Ave | Modesto | CA | 27 |
| Farmers & Merchants Bank of Central California | 3001 Mchenry Ave | Modesto | CA | 11 |
| Farmers & Merchants Bank of Central California | 1521 N Carpenter Rd | Modesto | CA | 11 |
| Farmers & Merchants Bank of Central California | 3500 Dale Rd | Modesto | CA | 11 |
| Farmers & Merchants Bank of Central California | 1715 Trancas St | Napa | CA | 11 |
| Farmers & Merchants Bank of Central California | 6182 Antioch St | Oakland | CA | 11 |
| Farmers & Merchants Bank of Central California | 101 Main St | Rio Vista | CA | 11 |
| Farmers & Merchants Bank of Central California | 2401 Patterson Rd | Riverbank | CA | 11 |
| Farmers & Merchants Bank of Central California | 1303 J St | Sacramento | CA | 11 |
| Farmers & Merchants Bank of Central California | 4430 Florin Rd | Sacramento | CA | 11 |
| Farmers & Merchants Bank of Central California | 205 Lincoln Ctr | Stockton | CA | 11 |
| Farmers & Merchants Bank of Central California | 4612 Mcgaw St | Stockton | CA | 11 |
| Farmers & Merchants Bank of Central California | 121 S Center St | Turlock | CA | 11 |
| Farmers & Merchants Bank of Central California | 2340 Geer Rd | Turlock | CA | 11 |
| Farmers & Merchants Bank of Central California | 3700 Greer Road | Turlock | CA | 27 |
| Farmers & Merchants Bank of Central California | 1330 N Broadway | Walnut Creek | CA | 11 |
| Farmers & Merchants Bank of Central California | 14211 River Rd | Walnut Grove | CA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
91.3
Tier 1 capital ratio
11.65%
Return on assets
1.74%
Non-performing loans
0.13%
Efficiency ratio
44.13%
Asset growth (YoY)
6.48%
Suggested direct comparisons
SANTA ANA, CA
$36.7B
$6.0B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.