What Does Farmers & Merchants Bank Do?

Total employees135
HeadquartersLodi
Founded1945

Farmers & Merchants Bank of Central California, often referred to as F&M Bank, is a well-established community bank headquartered in Lodi, California. Founded in 1916, it has a rich history of serving individuals, families, agricultural businesses, and commercial enterprises throughout Central California, including the San Joaquin and Sacramento valleys. F&M Bank offers a full suite of financial products, including checking and savings accounts, personal and business loans, mortgages, credit cards, and wealth management services. The bank is known for its strong commitment to customer service, community involvement, and its role as a stable financial partner in the regions it serves. It operates as a subsidiary of the publicly traded Farmers & Merchants Bancorp (NASDAQ: FMCB).

Where Is Farmers & Merchants Bank's Headquarters?

HQ Function

Serves as the primary administrative and operational center for the bank, housing executive leadership and overseeing strategic planning, core banking operations, risk management, IT, human resources, and corporate governance.

Notable Features:

The Lodi main office is a significant and recognizable building in downtown Lodi, reflecting the bank's long-standing presence and stability in the community. It's designed to be both a functional administrative hub and a welcoming branch for customers.

Work Culture:

The work culture at F&M Bank's headquarters is described as professional, collaborative, and customer-centric, with a strong emphasis on community banking principles, ethical conduct, and employee engagement. There's a sense of pride in the bank's heritage and its contribution to local economies.

HQ Significance:

The headquarters in Lodi is historically significant as the birthplace of the bank and remains central to its identity and operations. It symbolizes F&M Bank's deep roots in Central California and its enduring commitment to the communities it has served for over a century.

Values Reflected in HQ: The headquarters' operations and community presence reflect F&M Bank's core values of integrity, service, community focus, stability, and fostering long-term customer relationships.

Location:

Farmers & Merchants Bank of Central California is a community-focused institution with its operations primarily centered within Central California, USA. It does not maintain physical branches or offices internationally. However, the bank facilitates international transactions for its customers, such as wire transfers and foreign currency exchange services, through its domestic network and correspondent banking relationships, supporting clients with global financial needs.

Street Address:

121 W Pine St

City:

Lodi

State/Province:

CA

Country:

USA

Where Else Does Farmers & Merchants Bank Operate Around the World?

Modesto, CA, USA

Address: 1200 I St, Modesto, CA 95354

To serve the diverse financial needs of the Modesto community, a major agricultural and commercial center in the Central Valley, by providing tailored financial products and local decision-making.

Stockton, CA, USA

Address: 240 N. Sutter Street, Stockton, CA 95202

To support the economic activity of Stockton and the surrounding Delta region, catering to its port-related businesses, agricultural enterprises, and urban development.

Elk Grove, CA, USA

Address: 9245 Laguna Springs Drive, Suite 100, Elk Grove, CA 95758

To provide convenient banking access and financial services to the residential and commercial sectors of one of the Sacramento metropolitan area's fastest-growing cities.

Buying Intent Signals for Farmers & Merchants Bank

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Who's Leading Farmers & Merchants Bank? Meet the Executive Team

As of April 2025, Farmers & Merchants Bank' leadership includes:

Kent A. Steinwert - Chairman of the Board, President and Chief Executive Officer (F&M Bank and Farmers & Merchants Bancorp)
Stephen K. Kautz - Executive Vice President and Chief Operating Officer
Mark K. Olson - Executive Vice President and Chief Financial Officer
John W. Macy - Executive Vice President and Chief Credit Officer
Barbara A. Gall - Executive Vice President and Chief Human Resources Officer

Who's Investing in Farmers & Merchants Bank?

Farmers & Merchants Bank has been backed by several prominent investors over the years, including:

Farmers & Merchants Bancorp (Parent Company, NASDAQ: FMCB)
BlackRock, Inc.
The Vanguard Group, Inc.
Dimensional Fund Advisors LP
State Street Global Advisors

What Leadership Changes Has Farmers & Merchants Bank Seen Recently?

Hire1
Exits0

In the last 12 months, Farmers & Merchants Bancorp, the parent company of Farmers & Merchants Bank of Central California, announced the appointment of a new member to its Board of Directors, which also serves the bank. No other major officer-level executive changes at Farmers & Merchants Bank of Central California were widely publicized during this period, indicating stability in its core leadership team.

New Appointments:

Tod M. Gomes, Tod M. Gomes was elected to the Board of Directors of Farmers & Merchants Bancorp and its subsidiary, Farmers & Merchants Bank of Central California, effective January 23, 2024.

What Technology (Tech Stack) Is Used byFarmers & Merchants Bank?

Discover the tools Farmers & Merchants Bank uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

Farmers & Merchants Bank Email Formats and Examples

Farmers & Merchants Bank of Central California typically uses standardized email formats for its employees involved in corporate and customer communications. Understanding these formats can be useful for professional correspondence. The most common format appears to be the first initial followed by the last name.

[first_initial][last]@fmbank.com (e.g., jsmith@fmbank.com). Another possible, though less common, format could be [first].[last]@fmbank.com.

Format

jdoe@fmbank.com

Example

75%

Success rate

What's the Latest News About Farmers & Merchants Bank?

GlobeNewswireApril 23, 2024

Farmers & Merchants Bancorp Declares Quarterly Cash Dividend

Farmers & Merchants Bancorp (NASDAQ: FMCB), the parent company of Farmers & Merchants Bank of Central California, announced that its Board of Directors declared a regular quarterly cash dividend of $0.16 per share on the company's common stock, payable in May 2024 to shareholders of record....more

F&M Bank Website NewsFebruary 15, 2024

F&M Bank Donates $50,000 to Lodi Hospital Foundation

Farmers & Merchants Bank of Central California continued its strong tradition of community support by donating $50,000 to the Lodi Memorial Hospital Foundation. This contribution will aid the foundation in its mission to enhance healthcare facilities and services for the Lodi community....more

GlobeNewswireJanuary 23, 2024

Farmers & Merchants Bancorp Reports Record Net Income for 2023

Farmers & Merchants Bancorp (NASDAQ: FMCB) announced record net income of $72.3 million for the year ended December 31, 2023, an 8.3% increase from the $66.7 million earned in 2022. The company also reported record total assets of $5.51 billion....more

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