Lodi, CA · Cert 1331 · Farmers&Merchants Bcorp
State charter, non-member · FDIC · 31 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
74
Asset Quality
70
Profitability
80
Liquidity
39
Efficiency
92
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lodi, CA · Cert 1331 · Farmers&Merchants Bcorp
State charter, non-member · FDIC · 31 branches
Q2 2026
Market Position · Stockton-Lodi, CA · 2026 SOD (annual) · 14.1% share · #4 of 15 inst. · $2.2B of $15.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.68% | 1.71% | 1.72% | 1.72% | 1.73% | 1.71% | 1.74% | +2 bps | |
| Return on Equity | 15.57% | 15.59% | 15.82% | 15.54% | 15.54% | 15.46% | 14.93% | 15.04% | -50 bps | |
| Net Interest Margin | 3.85% | 3.86% | 3.93% | 3.83% | 3.88% | 3.83% | 3.98% | 3.95% | +12 bps | |
| Efficiency Ratio | 44.95% | 44.70% | 42.19% | 42.79% | 43.54% | 43.64% | 45.52% | 44.13% | +134 bps | |
| Non-Interest Burden | 1.53% | 1.52% | 1.45% | 1.43% | 1.46% | 1.45% | 1.61% | 1.54% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.80% | 1.23% | -0.56% | 3.97% | 3.89% | 5.88% | 2.69% | 6.48% | +250 bps | |
| Loan Growth (YoY) | 4.13% | 0.65% | -3.03% | -1.60% | -2.59% | -0.80% | 0.91% | 2.21% | +381 bps | |
| Deposit Growth (YoY) | -0.86% | 0.76% | 0.41% | 3.57% | 4.22% | 5.93% | 2.78% | 6.96% | +339 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.01% | 0.00% | 0.03% | 0.02% | 0.11% | 0.13% | +13 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.04% | 0.06% | 0.05% | 0.00% | 0.01% | -3 bps | |
| Allowance / Loans | 2.05% | 2.05% | 2.10% | 2.10% | 2.11% | 2.09% | 2.13% | 2.09% | -2 bps | |
| Allowance Coverage of NPLs | 51.3x | 81.0x | 390.8x | n/a | 69.8x | 101.8x | 19.2x | 15.6x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.34% | 10.99% | 11.35% | 11.21% | 11.21% | 10.98% | 11.31% | 11.65% | +45 bps | |
| Total Risk-Based Capital | 14.97% | 14.55% | 15.27% | 15.39% | 15.24% | 15.24% | 15.65% | 16.00% | +61 bps | |
| Equity / Assets | 11.32% | 10.87% | 10.80% | 11.49% | 11.23% | 11.47% | 11.37% | 11.77% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.61% | 78.16% | 71.94% | 76.05% | 73.47% | 73.19% | 70.63% | 72.68% | -338 bps | |
| Liquid Assets / Assets | 18.06% | 16.94% | 22.44% | 16.93% | 14.86% | 14.10% | 17.59% | 15.13% | -181 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 250% | 252% | 249% | n/a | n/a | |
Lodi, CA · Cert 1331 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Farmers&Merchants Bcorp
State charter, non-member · FDIC · 31 branches
Q2 2026
Return on Assets
1.72%
Rank 34 of 258
Net Interest Margin
3.95%
Rank 56 of 258
Efficiency Ratio
44.32%
Rank 22 of 257
Equity / Assets
11.77%
Rank 61 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.72% | 0.93% | 1.23% | 1.54% | Beats 87% | 34 / 258 | ||
| Return on Equity | 14.62% | 9.26% | 11.84% | 14.74% | Beats 74% | 66 / 258 | ||
| Net Interest Margin | 3.95% | 3.16% | 3.49% | 3.88% | Beats 78% | 56 / 258 | ||
| Efficiency Ratio | 44.32% | 51.71% | 60.30% | 69.65% | Beats 92% | 22 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.19% | 0.46% | 0.90% | Beats 82% | 48 / 258 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 58% | 110 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.74% | 11.41% | 12.98% | 15.12% | Beats 73% | 70 / 258 | ||
| Total Risk-Based Capital Ratio | 16.00% | 12.10% | 13.91% | 16.08% | Beats 74% | 66 / 258 | ||
| Equity / Assets | 11.77% | 9.09% | 10.24% | 11.72% | Beats 76% | 61 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.68% | 73.24% | 86.34% | 95.95% | 24th pctl | 197 / 258 | ||
| Loans / Assets | 63.48% | 63.01% | 72.27% | 78.40% | 26th pctl | 190 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||