🏦Bank Scorer

FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA

LODI, CA · Supervised by FDIC

Est. 1916FDIC #1,331RSSD: FDIC-1331
Part ofFARMERS&MERCHANTS BCORP→ View all charters
Outstanding Same

Current rating · Exam: February 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.71%

Institution Profile

FDIC BankFind

Address

121 W Pine St, LODI, CA

County

San Joaquin County

Established

May 24, 1916

Total Assets

$5.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 2023

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.8B

Total Deposits

$5.1B

Net Loans

$3.5B

Net Income

$25M

ROA

1.71%

ROE

14.93%

Risk-Based Capital

15.65%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate37.18%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

31

Branch Deposits

$4.8B

1-Year Change

+1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202423456.84%37.18%
202330660.13%34.97%
202231068.71%26.77%
202155766.07%30.70%
202065565.04%32.21%
201933560.3%36.12%
201832258.7%39.13%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2007

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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