| Founded in 1916, Farmers & Merchants Bank of Central California, also known as F&M Bank, is a full service, locally owned and operated community bank with $1.6 billion in assets. F&M Bank proudly serves California's Great Central Valley through 23 convenient locations from Sacramento to Turlock and Hilmar.
At F&M Bank, we make banking easy! We offer a full range of Personal Banking services including checking, savings, money market, time deposit (CD), individual retirement accounts, safe deposit boxes, Internet (online) banking, and convenient Visa(r) debit cards. F&M even has a special savings account for the kids - it's never too early to teach them how to save!
We also make Business Banking easy! F&M provides a complete range of services to our business customers. These include everyday banking services, inventory financing, business loans, credit services and an in-house staff of personal commercial banking specialists. F&M is committed to continue its strong support of local business.
F&M Bank has consistently been recognized as one of the safest and most secure banks in the United States and continues to receive the highest possible ratings from nationally recognized bank rating firms.
Bauer Financial, Inc., has recognized F&M Bank as a "Five-Star, Superior Bank" for over 17 years. VERIBANC®, Inc., has consistently recognized F&^M Bank as a "Blue Ribbon Bank," and The Findley Reports also recognizes F&M Bank as a "Super Premier Performance" Company. | 
