Farmers&Merchants Bk Cntl Ca Safety Rating
Farmers&Merchants Bk Cntl Ca's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #616 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Farmers&Merchants Bk Cntl Ca's best component is loan quality (100/100) and its weakest is liquidity (82/100).
This page answers a common banking-safety question: Farmers&Merchants Bk Cntl Ca Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Farmers&Merchants Bk Cntl Ca Safety Rating Breakdown
- Overall rating
- Grade A (91/100)
- National rank
- #616 of 3,960
- Tier 1 capital (35%)
- 87/100
- Loan quality (30%)
- 100/100
- Liquidity (25%)
- 82/100
- Profitability (10%)
- 100/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Farmers&Merchants Bk Cntl Ca among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 16% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.33% | 87/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 25.50% | 82/100 |
| Return on Assets | 2.31% | 100/100 |
| Total Assets | $5.3B | |
How does Farmers&Merchants Bk Cntl Ca compare?
With a Bank Health Score of 91/100, Farmers&Merchants Bk Cntl Ca sits 21.0 points above the national average of 70/100 for FDIC-insured banks. Within California, where 123 FDIC-insured banks are headquartered, Farmers&Merchants Bk Cntl Ca ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 13.33% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Farmers&Merchants Bk Cntl Ca's Bank Health Score fell by 2.0 points to 91/100. Tier 1 capital strengthened by 0.61 percentage points to 13.33%. Quarter-over-quarter, the score fell by 3.0 points.
Frequently Asked Questions
Farmers&Merchants Bk Cntl Ca's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #616 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Farmers&Merchants Bk Cntl Ca's best component is loan quality (100/100) and its weakest is liquidity (82/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Farmers&Merchants Bk Cntl Ca: Tier 1 capital scores 87/100, loan quality 100/100, liquidity 82/100, and profitability 100/100 — combining to 91/100 (grade A).
Farmers&Merchants Bk Cntl Ca's Bank Health Score of 91/100 is 19.0 points above the California state average of 72/100. 123 FDIC-insured banks are headquartered in California.
Yes. Farmers&Merchants Bk Cntl Ca (FDIC certificate #1331) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Farmers&Merchants Bk Cntl Ca
Farmers&Merchants Bk Cntl Ca's safety rating is grade A, a Bank Health Score of 91/100 built from FDIC call report data. That ranks #616 out of 3,960 FDIC-insured banks nationally (top 16%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Farmers&Merchants Bk Cntl Ca's best component is loan quality (100/100) and its weakest is liquidity (82/100).