FARMERS&MERCHANTS BCORP is the parent banking group. FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FARMERS&MERCHANTS BCORP

Legal name: FARMERS & MERCHANTS BANCORP

1 active bank · 1 merged/absorbed · $5.8B combined assets

RSSD ID: 2781910 (FFIEC NIC)

Combined Assets

$5.8B

CRA Rating Summary

Outstanding1charter

Across all 12 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIALODI, CAOutstanding$5.8BView profile →

At a Glance

Dominant CRA Rating

Outstanding

1 of 1 bank · Exceeds expectations for community lending

Combined Assets

$5.8B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$5.1B

Net Income

$25M

ROA (avg)

1.71%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

234

Origination Rate

56.84%

Denial Rate

37.18%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA	LODI, CA	FDIC	$5.8B	100.0%	Outstanding	Feb 2023

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.