CA lenders / Community Bank
Farmers & Merchants Bank of Central California
Community Bank · Lodi, CA · Farmers&Merchants Bcorp
- Total assets
- $5.8B
- CRE loan book
- $1.6B
- QoQ CRE growth
- 1.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.59% as of Q1 2026 — TX bank median 4.87% (0.72pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.59% | 5.98% |
| Q4 2025 | 5.61% | 5.97% |
| Q3 2025 | 5.65% | 6.07% |
| Q2 2025 | 5.57% | 6.07% |
| Q1 2025 | 5.47% | 5.93% |
| Q4 2024 | 5.47% | 5.94% |
| Q3 2024 | 5.55% | 6.13% |
| Q2 2024 | 5.53% | 6.08% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.6B | $132.5M | $121.9M | 171% | $730,000 |
| Q4 2025 | $1.6B | $128.2M | $122.2M | 172% | $750,000 |
| Q3 2025 | $1.6B | $170.7M | $111.4M | 168% | $955,000 |
| Q2 2025 | $1.6B | $173.8M | $112.3M | 165% | $0 |
| Q1 2025 | $1.5B | $185.3M | $109.5M | 163% | $0 |
| Q4 2024 | $1.5B | $194.9M | $110.5M | 171% | $0 |
| Q3 2024 | $1.5B | $205.9M | $111.4M | 168% | $0 |
| Q2 2024 | $1.5B | $200.7M | $115.2M | 174% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Bank Five NineCommunity Bank · Oconomowoc · $1.6B CRE book
- City BankCommunity Bank · Lubbock · $1.6B CRE book
- Broadway National BankCommunity Bank · San Antonio · $1.7B CRE book
- Orange Bank & Trust CompanyCommunity Bank · Middletown · $1.5B CRE book
- Leader Bank, National AssociationCommunity Bank · Arlington · $1.5B CRE book
See all alternatives to Farmers & Merchants Bank of Central California →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.