Farmers&Merchants Bk Cntl Ca
Lodi, California · FDIC Cert #1331
Farmers&Merchants Bk Cntl Ca is an FDIC-insured bank (Certificate #1331) with $5.3B in total assets and $4.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Lodi, California, the bank maintains a Tier 1 capital ratio of 13.33% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (91/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Farmers&Merchants Bk Cntl Ca (FDIC cert 1331) is a mid-sized bank with $5.3B in total assets and $4.6B in deposits, based in Lodi, California. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.33% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 25.5% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 2.31% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Farmers&Merchants Bk Cntl Ca carries a composite BankHealth grade of A (91/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Farmers&Merchants Bk Cntl Ca
- Total Assets
- $5.3B
- Total Deposits
- $4.6B
- Tier 1 Capital Ratio
- 13.33%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 25.50%
- Return on Assets
- 2.31%
- Headquarters
- Lodi, California
- FDIC Certificate
- #1331
- Health Grade
- A (91/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Farmers&Merchants Bk Cntl Ca holds a Tier 1 capital ratio of 13.33%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Farmers&Merchants Bk Cntl Ca has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Farmers&Merchants Bk Cntl Ca shows strong financial health indicators. With $5.3B in assets and a Health Score of 91/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Farmers&Merchants Bk Cntl Ca Compares
Farmers&Merchants Bk Cntl Ca’s Health Score of 91 is 19 points above the California state average of 72 across 123 FDIC-insured banks. Its 13.33% Tier 1 capital ratio is 0.7 points below the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.31% is in line with or above the national ROA benchmark of ~1.1%. Among 285 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, Farmers&Merchants Bk Cntl Ca is 21 points above the portfolio average of 70.
Frequently Asked Questions
Farmers&Merchants Bk Cntl Ca has a Bank Health Score of A (91/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.33%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Farmers&Merchants Bk Cntl Ca's Tier 1 capital ratio of 13.33% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Farmers&Merchants Bk Cntl Ca is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #1331). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Farmers&Merchants Bk Cntl Ca holds $5.3B in total assets and $4.6B in total deposits. It is headquartered in Lodi, California (FDIC Certificate #1331).
Farmers&Merchants Bk Cntl Ca has a Tier 1 capital ratio of 13.33%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 2.31%.
Yes. Farmers&Merchants Bk Cntl Ca is FDIC-insured (Certificate #1331). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Farmers&Merchants Bk Cntl Ca's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.