← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Farmers & Merchants Bank Central California

Lodi, California · $5.83B in assets · beside the 11 other California banks between $3B and $10B

The filing

15.6x
Coverage of noncurrent
2nd of 10
+2.2%
Loans, year over year
10th of 12, largest first
1.73%
ROA
3rd of 11

Farmers & Merchants Bank Central California is the sixth largest of the 12 California banks nearest its size between $3B and $10B, with $5.83B in assets at 30 June 2026. Loans are 72.7% of deposits, 4th of 12 against a median of 82.5%, and equity is 11.8% of assets, 5th of 11. Loans grew +2.2% in the year, 10th of 12, and deposits grew 7.0%; the cohort's median loan growth is +3.6%.

Noncurrent loans are 0.13% of the book, 5th of 12 against a median of 0.30%; 0.01% is 30 to 89 days past due, and the allowance covers them 15.6 times. Commercial real estate is 32.2% of loans, 4th of 12 against a median of 38.6%, and 164% of capital, below the 300% screen, with construction at 16% against the 100% screen.

Return on assets is 1.73%, 3rd of 11 against a median of 1.22%, on an efficiency ratio of 44.3%, 5th of 11. Five years ago it was 1.40%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsCA banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.22% Bo Bank of Stockton 6.07% WB Westamerica Bank 1.81% FM Farmers & Merchants Bank Central California 1.73% FS Five Star Bank 1.57% AB American Business Bank 1.45% RC River City Bank 1.22% RB Royal Business Bank 1.18% FB Fremont Bank 1.16% CB CTBC Bank Corp. USA 0.90% CW Community West Bank 0.73% SM SMBC Manubank -3.45%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.6% MT Mizrahi Tefahot Bank LTD +56.9% CW Community West Bank +47.7% FS Five Star Bank +20.3% AB American Business Bank +7.9% RC River City Bank +7.3% Bo Bank of Stockton +4.1% FB Fremont Bank +3.1% RB Royal Business Bank +2.3% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

Farmers & Merchants Bank Central California is the 222nd largest 7(a) lender into California of 512, with $9M across 26 loans, 0.0% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 5 of its 5 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
San Joaquin, CA$4M53rd of 1300.4%quiet FY2016
Stanislaus, CA$4M46th of 1050.6%quiet FY2017
Sacramento, CA$1M126th of 1700.0%quiet FY2015
Merced, CA$263K60th of 680.1%quiet FY2012
Fresno, CA$188K129th of 1380.0%quiet FY2014
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Real estate & leasing2$2M22.6%0.02%535th of 1,452
Other services4$2M21.6%0.01%882nd of 2,248
Accommodation & food services4$1M14.9%0.00%1432nd of 2,596
Retail trade3$1M12.2%0.00%1473rd of 2,589
Agriculture, forestry & fishing3$821K8.9%0.01%488th of 1,007
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Farmers &
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans Fa Farmers and Merchants Bank of Cen… 0.0% $9M · 26 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Farmers &RankCohort median
Total CRE against capital, the 300% screen164%4th of 11214%
Construction against capital, the 100% screen16%5th of 1119%
Construction and land development, share of loans3.1%6th of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans25.0%5th of 1125.7%
Total CRE, the guidance definition, share of loans32.2%4th of 1238.6%
CRE growth over 36 months, the third prong+13.6%8th of 12+12.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five Star Bank$5.38B1.6%37.3%0.30%0.07%1.0%94.0%9.8%
Community West Bank$5.02B0.7%61.6%0.56%0.31%1.4%85.9%13.3%
Bank of Stockton$4.99B6.1%47.6%0.08%0.05%3.2%65.3%19.5%
American Business Bank$4.42B1.5%47.0%0.44%0.00%1.1%79.3%9.9%
Royal Business Bank$4.27B1.2%52.3%0.72%0.01%1.3%95.2%13.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Farmers &Cohort median
20212026Change20212026Change
Loans$3.03B$3.70B+22%$2.10B$3.62B+73%
Deposits$4.41B$5.10B+15%$3.28B$4.82B+47%
NPA / loans0.02%0.13%+0.12 pts0.16%0.30%+0.14 pts
Efficiency57.8%44.3%-13.5 pts53.6%47.0%-6.6 pts
ROA1.40%1.73%+0.33 pts1.39%1.22%-0.16 pts

This read was prepared for Farmers & Merchants Bank Central California's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Farmers & Merchants Bank Central California is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $3B to $10B
Institution www.fmbonline.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue