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F&M Bank of Central California

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F&M Bank of Central California Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank of Central California provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

F&M Bank of Central California rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not F&M Bank of Central California, and you can see how they compare in the F&M Bank of Central California rate tables below. MonitorBankRates evaluates the financial stability of F&M Bank of Central California with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.99%. Database rates last updated and verified on 08/30/2026.

F&M Bank of Central California money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at F&M Bank of Central California? Share your experience about F&M Bank of Central California by leaving a review below, or read customer reviews before you decide to use F&M Bank of Central California.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.99%

Excellent Lower than avg

F&M Bank of Central California

121 W Pine St
Lodi, CA 95240

https://www.fmbonline.com

Current Rate Availability

We're not currently displaying rates for F&M Bank of Central California, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for F&M Bank of Central California is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather F&M Bank of Central California rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with F&M Bank of Central California's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name F&M Bank of Central California

Bank Holding Company FARMERS&MERCHANTS BCORP

Address 121 W Pine St, Lodi, CA 95240 · San Joaquin

Website https://www.fmbonline.com

FDIC Certificate # 1331

Established 05/24/1916

FDIC Insurance Date 01/01/1934

Domestic Offices 34

Total Branches 34

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.99%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7332%

Return on Equity (ROE) 17.5700%

Non-Performing Loans (NPL) 0.08%

Total Assets $5,692,809,000

Total Deposits $4,985,370,000

Equity Capital $652,993,000

Net Income $96,268,000

Headquarters Lodi

Total Branches and Offices 34

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About F&M Bank of Central California

How many branches does F&M Bank of Central California operate?

F&M Bank of Central California currently maintains approximately 34 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, F&M Bank of Central California does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank of Central California provides members with tools to manage their accounts and build a solid financial history.

Does F&M Bank of Central California offer online and mobile banking?

Most modern institutions like F&M Bank of Central California provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fmbonline.com.