Farmers & Merchants Bank of Central California

F&M Bank, headquartered in Lodi, California, is a locally owned and operated full-service community bank with more than $5.3 billion in assets. We proudly serve California’s great communities with more than 32 convenient locations.

F&M Bank is consistently recognized as one of the safest banks in California.

We continue to carry the Five-Star, Superior Bank award by the national independent bank rating firm of Bauer Financial, one of the nation’s most well-known independent rating services for banks and credit unions *.

We have received this recognition for more than 20 years, longer than any other commercial bank in the state of California.