Total Assets
$5.7B
Total balance-sheet footings
FDIC Cert #1331 · Lodi, California · Est. 1916
Farmers & Merchants Bank of Central California - FDIC Bank Health Profile
A community-scale look at Farmers & Merchants Bank of Central California's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.7B
- Total assets
- A
- Health grade · Excellent
- 1.73%
- Return on assets
- 14.0%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers & Merchants Bank of Central California earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.99% Tier 1, profitable at 1.73% ROA, efficient (44% cost ratio).
- #264
- largest of 4,313 FDIC banks by assets
- 94th
- percentile by asset size, nationally
- 13.99%
- Tier 1 ratio - above the 10% well-capitalized line
- 83rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Farmers & Merchants Bank of Central California's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers & Merchants Bank of Central California's composite health score
Tier 1 Capital Ratio (13.99%) 35/40
Return on Assets (ROA) (1.73%) 25/25
Texas Ratio (0.10%) 20/20
Efficiency Ratio (43.64%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$5.0B
Customer-funded liabilities
Net Loans
$3.6B
Outstanding loan book
Net Income
$96M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers & Merchants Bank of Central California ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers & Merchants Bank of Central California's score of 95/100 falls in the highlighted band.
Farmers & Merchants Bank of Central California's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers & Merchants Bank of Central California's $5.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.99%
Texas Ratio
0.10%
Equity Capital
$653M
Profitability metrics
Return on Assets (ROA)
83rd percentile nationally
1.73%
Return on Equity (ROE)
15.46%
Efficiency Ratio
43.64%
What the numbers say about Farmers & Merchants Bank of Central California
Farmers & Merchants Bank of Central California is an FDIC-insured institution (Certificate #1331) headquartered in Lodi, California, established in 1916. It holds $5.7B in total assets - 264th of 4,313 FDIC-insured banks, $5.0B in customer deposits, and $3.6B in net loans. Its capital position: a Tier 1 ratio of 13.99%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.10% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (95 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Farmers & Merchants Bank of Central California sits in the top decile of all FDIC-insured institutions by asset size (264th of 4,313), and within California it ranks 23rd of 121 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is CTBC Bank Corp. (USA), at $5.6B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$278M
Interest Income
$23M
Non-Interest Income
$106M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers & Merchants Bank of Central California reports a Texas Ratio of 0.10% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.10% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers & Merchants Bank of Central California (FDIC Cert #1331) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Farmers & Merchants Bank of Central California's health grade?▼
Farmers & Merchants Bank of Central California receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Farmers & Merchants Bank of Central California?▼
Farmers & Merchants Bank of Central California holds $5.7B in total assets and $5.0B in deposits, ranking 264th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lodi, California.
Is my money safe at Farmers & Merchants Bank of Central California?▼
Yes, deposits at Farmers & Merchants Bank of Central California (Certificate #1331) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers & Merchants Bank of Central California's Tier 1 Capital Ratio?▼
Farmers & Merchants Bank of Central California has a Tier 1 Capital Ratio of 13.99%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Farmers & Merchants Bank of Central California?▼
Farmers & Merchants Bank of Central California has a Texas Ratio of 0.10%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers & Merchants Bank of Central California?▼
Farmers & Merchants Bank of Central California has an Efficiency Ratio of 43.64%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers & Merchants Bank of Central California's profile as a depositor or analyst.
- Farmers & Merchants Bank of Central California's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers & Merchants Bank of Central California against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.