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Farmers & Merchants Bank of Central California
Lodi, CA·FDIC Cert #1331·Charter: STATE·Est. 19160524.0·HC: FARMERS&MERCHANTS BCORP
Total Assets
$5.7B
Q4 2025
Return on Assets
1.73%
+0.00%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
43.64%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
68
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.73%+0.00
ROE
15.46%-0.08
Efficiency
43.64%+0.11
Equity/Assets
0.00%+0.00
NPL Ratio
0.02%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
71.66%-0.27
Charge-offs
0.05%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 |
| ROE | 16.4 | 15.8 | 15.6 | 15.6 | 15.8 | 15.5 | 15.5 | 15.5 |
| Efficiency | 43.6 | 44.0 | 45.0 | 44.7 | 42.2 | 42.8 | 43.5 | 43.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | — | 0.0 | 0.0 | 0.0 | — | 0.0 | 0.0 |
| Charge-offs | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 |
| Loan/Deposit | 73.0 | 78.4 | 77.0 | 76.6 | 70.4 | 74.5 | 71.9 | 71.7 |
Balance Sheet
Total Assets$5.7B
Total Deposits$5.0B
Total Loans$3.6B
Total Equity$653.0M
Profitability
ROA1.73%
ROE15.46%
Efficiency Ratio43.64%
Net Income$96.3M
Risk & Asset Quality
NPL Ratio0.02%
Charge-off Rate0.05%
Loan/Deposit71.66%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans