BlastPoint's Banking Scorecard
Farmers & Merchants Bank of Central California
Mid-Market
Specialty: Agricultural
CA
FDIC cert 1331
Lodi, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Farmers & Merchants Bank of Central California shows strong momentum with 3 strengths and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 57% in Mid-Market
- + Delinquency Rate 0.66% below tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.7B
+5.9% YoY
+1.1% QoQ
|
-$4.8B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$3.6B
-0.8% YoY
+1.1% QoQ
|
-$3.6B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$5.0B
+5.9% YoY
+1.5% QoQ
|
-$3.6B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.73%
+2.8% YoY
+0.2% QoQ
|
+0.56% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.24%
+2.6% YoY
+0.3% QoQ
|
+0.84% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
43.64%
-2.4% YoY
+0.2% QoQ
|
-12.96% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.02%
-18.6% YoY
-31.9% QoQ
|
-0.66% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
71.66%
-6.4% YoY
-0.4% QoQ
|
-13.81% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
33.09%
+2.1% YoY
+1.1% QoQ
|
+12.45% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-60.7% YoY
-62.2% QoQ
|
-0.49% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
13.99%
+5.2% YoY
+0.0% QoQ
|
+0.43% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.40%
+8.8% YoY
+29.2% QoQ
|
-0.55% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#13 of 22 · Top 57% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.09%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
4.24%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Delinquency Rate
metric
Top 5%
in Mid-Market
Why this stands out
Current:
0.02%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 6%
in Mid-Market
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.68%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 33.09% · Tier avg: 20.64%
86
86th pctile
Efficiency Ratio
Current: 43.64% · Tier avg: 56.60%
86
86th pctile
Return on Assets
Current: 1.73% · Tier avg: 1.16%
86
86th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.40%
70
70th pctile
Tier 1 Capital Ratio
Current: 13.99% · Tier avg: 13.55%
24
24th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.96%
20
20th pctile
Total Deposits
Current: $5.0B · Tier avg: $8.5B
17
17th pctile
Loan-to-Deposit Ratio
Current: 71.66% · Tier avg: 85.47%
13
13th pctile
Total Assets
Current: $5.7B · Tier avg: $10.5B
11
11th pctile
Total Loans
Current: $3.6B · Tier avg: $7.1B
Top Weaknesses
11
11th pctile
Total Loans
Current: $3.6B · Tier avg: $7.1B
13
13th pctile
Total Assets
Current: $5.7B · Tier avg: $10.5B
17
17th pctile
Loan-to-Deposit Ratio
Current: 71.66% · Tier avg: 85.47%
20
20th pctile
Total Deposits
Current: $5.0B · Tier avg: $8.5B
24
24th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.96%
70
70th pctile
Tier 1 Capital Ratio
Current: 13.99% · Tier avg: 13.55%
86
86th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.40%
86
86th pctile
Return on Assets
Current: 1.73% · Tier avg: 1.16%
86
86th pctile
Efficiency Ratio
Current: 43.64% · Tier avg: 56.60%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 33.09% · Tier avg: 20.64%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.68%