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 $3.1 billion in assets. We proudly serve California’s great communities with more than 26 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.Along with the experience and knowledge of the communities we support, F&M Bank is dedicated to improving the quality of life in the Central Valley and East Bay by reinvesting a significant portion of our profits back into these communities. We proudly maintain the highest rating possible for Community Reinvestment - an “Outstanding” from the Federal Government. Today, F&M Bank continues to grow and prosper each year, while fulfilling the banking needs of local business, the agriculture community, and families.*Bauer Financial, Inc. rated F&M Bank “5-Star, Superior Bank” as of the quarter ending December 31, 2014. For more information please visit www.bauerfinancial.com. Information is accurate as of 8/1/15.