Farmers & Merchants Bancorp operates as the bank holding company for Farmers & Merchants Bank of Central California that provides a range of banking services to businesses and individuals primarily in the mid Central Valley of California. The company accepts various deposit products, such as checking, savings, money market, time certificates of deposit, and individual retirement accounts. It also offers lending products, including commercial, commercial real estate, real estate construction, agribusiness, and consumer loans, as well as equipment leases and credit card services; commercial products comprising term loans, leases, lines of credit, other working capital financing, as well as letters of credit; and automobile financing, residential real estate loans, home improvement loans, and home equity lines of credit. In addition, the company provides various services consisting of credit card programs for merchants, lockbox and other collection services, account reconciliation, investment sweep, online account access, and electronic funds transfers by way of domestic and international wire and automated clearinghouse. Further, it offers investment products, such as mutual funds and annuities; and online banking services for business and personal accounts. The company serves customers through a network of 29 full-service branches, as well as a stand-alone automated teller machine. Farmers & Merchants Bancorp was founded in 1916 and is headquartered in Lodi, California.
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