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BDI
F&

Farmers & Merchants Bank of Central California

Lodi, CaliforniaFDIC Cert #1331

STATEEstablished 191634 branches

Holding company: FARMERS&MERCHANTS BCORPRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.00%
+885.7%y/y
Peer standing96th percentile
Peer standing in asset:3b_10b
FDICP3ASSET + LNLSGR
90+ %
0.09%
Peer standing14th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.02%
+274.8%y/y
Peer standing95th percentile
Peer standing in asset:3b_10b
FDICNAASSET + LNLSGR
Noncurrent %
0.11%
+1,951.7%y/y
Peer standing93rd percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.07%
+265.0%y/y
Peer standing93rd percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$4M
+274.9%y/y
Peer standing92nd percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.00%
−127.1%y/y
Peer standing95th percentile
Peer standing in asset:3b_10b
FDICNTLNLS + LNLSGR
NCO
−$43K
−126.7%y/y
Peer standing95th percentile
Peer standing in asset:3b_10b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
2.13%
+1.1%y/y
Percentile by value96th percentileby value
Peer standing in asset:3b_10b
FDICLNATRES + LNLSGR
30–89
$10K
+900.0%y/y
Peer standing95th percentile
Peer standing in asset:3b_10b
FDICP3ASSET
90+
$3.27M
Peer standing15th percentile
Peer standing in asset:3b_10b
FDICP9ASSET
Nonaccrual
$730K
+278.2%y/y
Peer standing94th percentile
Peer standing in asset:3b_10b
FDICNAASSET