Serving California for Over 100 Years

Founded in 1916, F&M Bank is locally owned and operated community bank, headquartered in Lodi, California proudly serving California through 32 convenient locations.  We are the 13th largest bank lender to agriculture in the United States, and the largest community bank lender to agriculture west of the Rocky Mountains. In 2013, the Bank expanded in the San Francisco Bay Area with new full service branches in Walnut Creek and Concord.  In 2018, the Bank opened a full service branch in Napa.

F&M Bank offers a full complement of loan, deposit, equipment leasing and treasury management products to businesses, as well as a full suite of consumer banking products. We utilize the most advanced technology; have friendly well-trained banking professionals; and offer convenient services such as mobile banking, online banking and bill pay, and treasury management solutions, including remote deposit capture. Customers enjoy the convenience of our drive-up tellers and ATMs, with the satisfaction of knowing most branches are open for Saturday banking. Check out our Locations & Hours page to see what services are available at each branch office.

F&M Bank is financially strong, with over $4.8 billion in assets, and is consistently recognized as one of the nation's safest banks by national bank rating firms. View our Safe & Secure page for more information and links to our ratings.

F&M Bank is the primary operating subsidiary of Farmers & Merchants Bancorp. Access the Securities and Exchange Commission Filings of Farmers & Merchants Bancorp.