About Farmers & Merchants Bank of Central California

Farmers & Merchants Bank of Central California was established on 1916. The bank's headquarters are located at 121 West Pine Street in Lodi, California.

Farmers & Merchants Bank of Central California is an FDIC insured bank with FDIC number 1331 managing assets to the value of $4,553,698 as of 12/31/2020.

Farmers & Merchants Bank of Central California has a Texas ratio of 0.28%.
The bank Texas Ratio is an indicator of the bank's health developed at RBC Capital Markets to measure a financial institution's credit troubles. The lower the Texas Ratio, the healthier the bank.

About the Bank

0.28%
Texas Ratio
FDIC Certificate #

1331

Active Insured Since #

1/1/1934

Financial Profile

Dollar figures in thousands (000's)

As of 12/31/2020
Total Assets $4,553,698
Equity Capital $429,037
Total Deposits $4,069,330
Total Liabilities $4,124,661
Total Securities $876,231
Net Loans And Leases $3,040,730
Loan Loss Allowance $58,862
Total Loans And Leases $3,111,533
YTD (as of 12/31/2020)
Return On Assets 1.47%
Return On Equity 14.75%
Total Interest Income $157,715
Total Interest Expense $9,114
Total Non Interest Income $15,927
Total Non Interest Expense $79,651

Headquarters

121 West Pine Street 95240, Lodi

Farmers & Merchants Bank of Central California branches near me

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Total Loans and Leases Statistics

Total Loans and Leases $3,111,533 In thousands (000's) * All data provided by fdic.gov updated 12/31/2020

Farmers & Merchants Bank of Central California Mortgage Loans Profile

Classic Bank

60.30%

Application Approval Rate

Classic Bank

$341,238

Average Mortgage Loan Amount

Classic Bank

335

Number of Loan Applications

Classic Bank

$190,954

Average Income of Applicants with Approved Loans

Classic Bank

0.00%

Average Cost of Loans

Classic Bank

0.00%

Average Debt to Income Ratio

* All data provided by the Home Mortgage Disclosure Act, at cfpb.gov updated 12/31/2019

Distribution of Mortgage Loans

Top Counties by Number of Mortgage Loan Applications

1 Stanislaus

Number of Loan Applications
133
Average Loan Amount
$280,570
Approval Rate
59.40%
Average Income of Approved Loans’ Applicants
$195,782

2 San Joaquin

Number of Loan Applications
97
Average Loan Amount
$257,143
Approval Rate
72.16%
Average Income of Approved Loans’ Applicants
$155,899

3 Sacramento

Number of Loan Applications
43
Average Loan Amount
$150,909
Approval Rate
51.16%
Average Income of Approved Loans’ Applicants
$185,048

4 Merced

Number of Loan Applications
31
Average Loan Amount
$768,333
Approval Rate
48.39%
Average Income of Approved Loans’ Applicants
$163,846

5 Solano

Number of Loan Applications
8
Average Loan Amount
$270,000
Approval Rate
50.00%
Average Income of Approved Loans’ Applicants
$312,000

6 Alameda

Number of Loan Applications
3
Average Loan Amount
$5,035,000
Approval Rate
33.33%
Average Income of Approved Loans’ Applicants
$0

Top States by Number of Mortgage Loan Applications

1 California

Number of Loan Applications
334
Average Loan Amount
$338,284
Approval Rate
60.18%
Average Income of Approved Loans’ Applicants
$189,233

2 Nevada

Number of Loan Applications
1
Average Loan Amount
$935,000
Approval Rate
100.00%
Average Income of Approved Loans’ Applicants
$523,000