Farmers & Merchant Bank, headquartered in Lodi, California, is a locally owned and operated full-service community bank with more than $3.1 billion in assets. It proudly serves California’s great communities with more than 26 convenient locations. The Bank continues to grow and prosper each year, while fulfilling the banking needs of local business, the agriculture community, and families. F&M Bank is consistently recognized as one of the safest banks in California.