BlastPoint's Banking Scorecard

Farmers & Merchants Bank of Central California

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

Lodi, CA

34 branches across CA

884 banks in the $1B-$10B peer group nationally 49 in 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 12.3% in tier
+ ROA 0.34% above tier average
+ Net Interest Margin 0.38% above tier average
+ Efficiency Ratio 15.54% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.7% in tier
- Credit Quality Pressure: Bottom 13.5% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$5.8B +2.7% YoY +2.5% QoQ	+$3.0B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 11.1% in tier
Total Loans ?	$3.5B +0.9% YoY -0.9% QoQ	+$1.6B	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 14.3% in tier
Total Deposits ?	$5.1B +2.8% YoY +2.7% QoQ	+$2.8B	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 10.4% in tier
Return on Assets ?	1.71% -0.5% YoY -1.3% QoQ	+0.34%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	4.20% +1.1% YoY -0.9% QoQ	+0.38%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	45.52% +7.9% YoY +4.3% QoQ	-15.54%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Top 11.9% in tier
Delinquency Rate ?	0.11% +437.7% QoQ	-0.78%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 12.7% in tier
Loan-to-Deposit Ratio ?	69.13% -1.8% YoY -3.5% QoQ	-15.08%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	31.63% -10.8% YoY -4.4% QoQ	+10.35%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 13.0% in tier
Nonperforming Asset Ratio ?	0.07% +265.0% YoY +419.7% QoQ	-0.61%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 10.1% in tier
Tier 1 Capital Ratio ?	14.40% +2.8% YoY +2.9% QoQ	-0.76%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.09% -0.8% YoY -77.9% QoQ	-0.17%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#28 of 220 • Top 12.3% in tier

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

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk

#8 of 420 • Bottom 1.7% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ

Credit Quality Pressure

risk

#70 of 513 • Bottom 13.5% in tier

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

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (10 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#90 of 884 Top 10.1% in $1B-$10B

Total Deposits

size

Value: $5.12B

Peer Median: $2.34B

#93 of 884 Top 10.4% in $1B-$10B

Total Assets

size

Value: $5.84B

Peer Median: $2.82B

#99 of 884 Top 11.1% in $1B-$10B

106

Efficiency Ratio

profitability

Value: 45.52%

Peer Median: 61.06%

#106 of 884 Top 11.9% in $1B-$10B

113

Delinquency Rate

credit_quality

Value: 0.11%

Peer Median: 0.89%

#113 of 880 Top 12.7% in $1B-$10B

116

Non-Interest-Bearing Deposit Share

funding

Value: 31.63%

Peer Median: 21.29%

#116 of 884 Top 13.0% in $1B-$10B

127

Total Loans

size

Value: $3.54B

Peer Median: $1.96B

#127 of 884 Top 14.3% in $1B-$10B

142

Loan-to-Deposit Ratio

liquidity

Value: 69.13%

Peer Median: 84.20%

#142 of 884 Top 16.0% in $1B-$10B

174

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.37%

#174 of 884 Top 19.6% in $1B-$10B

182

Net Interest Margin

profitability

Value: 4.20%

Peer Median: 3.82%

#182 of 884 Top 20.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available