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Farmers & Merchants Bank of Central California

$1B-$10B Specialty: Agricultural CA FDIC cert 1331

Lodi, CA

34 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +7.0% year over year ($5.1B on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.74%.
  • Efficiency ratio 44.13% vs a 59.73% peer average.
  • Loan-to-deposit ratio 71.16% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Farmers & Merchants Bank of Central California has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 5.9% in tier
  • + ROA 0.34% above tier average
  • + Net Interest Margin 0.34% above tier average
  • + Efficiency Ratio 15.60% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 7.5% in tier
  • - Credit Quality Pressure: Bottom 20.7% in tier
Get updates when Farmers & Merchants Bank of Central California releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $5.8B
+6.5% YoY -0.0% QoQ
+$3.0B $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Top 10.6% in tier
Total Loans ? $3.6B
+2.2% YoY +2.4% QoQ
+$1.7B $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 13.6% in tier
Total Deposits ? $5.1B
+7.0% YoY -0.5% QoQ
+$2.8B $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Top 9.8% in tier
Return on Assets ? 1.74%
+1.1% YoY +1.8% QoQ
+0.34% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.21%
-0.0% YoY +0.1% QoQ
+0.34% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 44.13%
+3.1% YoY -3.1% QoQ
-15.60% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Top 10.4% in tier
Delinquency Rate ? 0.14%
+21.1% QoQ
-0.73% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 71.16%
-4.4% YoY +2.9% QoQ
-13.87% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 31.40%
-3.5% YoY -0.8% QoQ
+10.12% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 12.5% in tier
Nonperforming Asset Ratio ? 0.10%
+367.9% YoY +49.5% QoQ
-0.57% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
85%
Tier 1 Capital Ratio ? 14.74%
+4.3% YoY +2.4% QoQ
-0.10% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.18%
-9.0% YoY +97.2% QoQ
-0.35% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
26%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 31.4%
-1.2pp YoY
-0.2pp QoQ
 +10.0pp 21.4% 25.5% 22.2% 87%
Brokered Deposits 1.6%
+1.6pp YoY
 -7.9pp 9.5% 11.0% 8.5% 23%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 14.6%
+0.8pp YoY
+1.5pp QoQ
 +0.6pp 14.0% 11.8% 12.5% 66%
CRE 44.9%
+1.0pp YoY
-0.5pp QoQ
 -5.1pp 50.0% 67.5% 41.4% 36%
1-4 Family 11.8%
-0.1pp YoY
-0.3pp QoQ
 -14.7pp 26.4% 16.5% 31.3% 22%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 5.3% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 14.7%
+0.6pp YoY
+0.3pp QoQ
 -0.9pp 15.6% 23.7% 19.7% 67%
Leverage Ratio 11.7%
+0.4pp YoY
+0.3pp QoQ
 +0.3pp 11.3% 14.5% 12.6% 72%
Total Capital Ratio 16.0%
+0.6pp YoY
+0.3pp QoQ
 -0.7pp 16.7% 25.1% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 378
+4 (+1.1%) YoY
-4 (-1.0%) QoQ
 +64 313 337 482 76%
Assets per Employee ($) $15.4M
+5.3% YoY
+1.0% QoQ
 +$5.0M $10.5M $11.3M $8.8M 90%
Branch Count 34
0 YoY
0 QoQ
 +14 20 15 18 85%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 68%
Nonaccrual 0.1%
+0.1pp QoQ
 -0.8pp 0.8% 1.4% 1.0% 8%
Allowance Coverage 15.58x
-19.1% QoQ
 -3.13x 18.71x 17.11x 20.23x 93%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 15.0%
-0.5pp YoY
+0.1pp QoQ
 +2.4pp 12.6% 8.2% 11.6% 74%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.9% 1.9% 1.7% 7%
Net Income ($, YTD) $50.2M
+6.1% YoY
— QoQ
 +$31.0M $19.2M $28.5M $40.4M 93%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#14 of 221 • Top 5.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#31 of 402 • Bottom 7.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#103 of 492 • Bottom 20.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (10 metrics)

88
Total Deposits
size
Value: $5.10B
Peer Median: $2.32B
#88 of 885 Top 9.8% in $1B-$10B
93
Efficiency Ratio
profitability
Value: 44.13%
Peer Median: 59.73%
#93 of 885 Top 10.4% in $1B-$10B
95
Total Assets
size
Value: $5.83B
Peer Median: $2.79B
#95 of 885 Top 10.6% in $1B-$10B
112
Non-Interest-Bearing Deposit Share
funding
Value: 31.40%
Peer Median: 21.27%
#112 of 885 Top 12.5% in $1B-$10B
121
Total Loans
size
Value: $3.63B
Peer Median: $1.96B
#121 of 885 Top 13.6% in $1B-$10B
134
Nonperforming Asset Ratio
credit_quality
Value: 0.10%
Peer Median: 0.67%
#134 of 885 Top 15.0% in $1B-$10B
141
Delinquency Rate
credit_quality
Value: 0.14%
Peer Median: 0.87%
#141 of 882 Top 15.9% in $1B-$10B
151
Loan-to-Deposit Ratio
liquidity
Value: 71.16%
Peer Median: 85.04%
#151 of 885 Top 16.9% in $1B-$10B
180
Return on Assets
profitability
Value: 1.74%
Peer Median: 1.39%
#180 of 885 Top 20.2% in $1B-$10B
202
Net Interest Margin
profitability
Value: 4.21%
Peer Median: 3.87%
#202 of 885 Top 22.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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