Farmers & Merchants Bank of Central California
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
$5.8BAssets
$3.7BLoans
$5.1BDeposits
$686.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 92% of banks $1B-$10B in assets operating in a single state (rank 22 of 257).
- Widest gap: net charge-offs / loans trails 42% of banks $1B-$10B in assets operating in a single state (rank 110 of 258).
- Overall: at or above the peer median on 9 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $89.4M · efficiency ratio beats 92% of banks $1B-$10B in assets operating in a single state | 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 |