Farmers & Merchants Bancorp operates as the bank holding company for Farmers & Merchants Bank of Central California that provides banking products and services primarily in the mid Central Valley of California. The company’s primary service area includes the mid Central Valley of California, including Sacramento, San Joaquin, Stanislaus and Merced counties, where the company operates 21 full-service branches and 1 stand-alone ATM. Through its network of banking offices, the company emphasizes personalized service along with a range of banking services to businesses and individuals located in the service areas of its offices. Lending Products The company provides lending products, including commercial, real estate construction, agribusiness, consumer, credit card, real estate loans, and equipment leases. Commercial products include term loans, lines of credit and other working capital financing and letters of credit. Financing products for individuals include automobile financing, lines of credit, residential real estate, home improvement and home equity lines of credit. The company also offers a range of specialized services designed for the needs of its commercial accounts. These services include a credit card program for merchants, lockbox and other collection services, account reconciliation, investment sweep, on-line account access, and electronic funds transfers by way of domestic and international wire and automated clearinghouse. Investments The company’s investment portfolio includes securities of government agency and government-sponsored entities, obligations of states and political subdivisions - non-taxable, mortgage backed securities, and other securities. Deposits The company offers a range of deposit instruments. These include checking, savings, money market, time certificates of deposit, individual retirement accounts and online banking services for both business and personal accounts. Regulations The company is a registered bank holding company and is subject to regulation under the Bank Holding Company Act of 1956 (BHCA), as amended. Accordingly, the company’s operations are subject to extensive regulation and examination by the Board of Governors of the Federal Reserve System (FRB). The company is required to file with the FRB quarterly and annual reports and such additional information as the FRB may require pursuant to the BHCA. The FRB conducts periodic examinations of the company. The company is a bank holding company within the meaning of the California Financial Code. As such, the company and its subsidiaries are subject to examination by, and may be required to file reports with, the California Department of Business Oversight (DBO). The bank, as a California chartered non-FRB member bank, is subject to primary supervision, periodic examination and regulation by the DBO and Federal Deposit Insurance Corporation. The bank is subject to certain fair lending requirements involving lending, investing, and other Community Reinvestment Act activities. As a public reporting company, the company is subject to the requirements of this legislation and related rules and regulations issued by the Securities and Exchange Commission. History Farmers & Merchants Bancorp was founded in 1916.
farmers & merchants banco/ca
111 West Pine Street
Lodi, CA 95240
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