SBA lender profile
Farmers and Merchants Bank of Central California
Farmers and Merchants Bank of Central California appears in the public SBA loan data with 26 funded 7(a) loans since FY2010, totaling $9.2M, an average of $353K per loan, and an estimated 504 jobs supported. Its SBA lending concentrates in California and the Real Estate sector. Across its 7(a) loans, the charge-off rate is 0.0%. 11.5% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 76
- Scale 11
- Activity 0
- Consistency 47
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Farmers and Merchants Bank of Central California the right lender for you?
Lenders fund what they know. Farmers and Merchants Bank of Central California's SBA lending concentrates in California (26 loans) and Real Estate (2 loans), at an average loan of $353K. If your business does not look like that, a different SBA lender is likely the better fit.
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Where Farmers and Merchants Bank of Central California lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 26 | $9.2M |
What Farmers and Merchants Bank of Central California funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Real Estate | 2 | $2.1M |
| Other Services | 4 | $2.0M |
| Accommodation and Food Services | 4 | $1.4M |
| Retail Trade | 3 | $1.1M |
| Agriculture, Forestry, Fishing | 3 | $821K |
| Construction | 4 | $753K |
Farmers and Merchants Bank of Central California SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2012 | 4 | $2.5M |
| 2013 | 1 | $725K |
| 2014 | 8 | $1.4M |
| 2015 | 7 | $1.5M |
| 2016 | 3 | $2.7M |
| 2017 | 3 | $345K |
Related SBA lenders
Other lenders active in California or in Real Estate.
Comparing lenders? See how to choose an SBA lender by track record.
Farmers and Merchants Bank of Central California: frequently asked questions
Does Farmers and Merchants Bank of Central California offer SBA loans?
Yes. Farmers and Merchants Bank of Central California appears in the public SBA data with 26 funded SBA 7(a) loans totaling $9.2M.
How many SBA loans has Farmers and Merchants Bank of Central California made?
Farmers and Merchants Bank of Central California is associated with 26 SBA 7(a) loans totaling $9.2M in the public SBA data (as of 2026-03-31).
What is Farmers and Merchants Bank of Central California's SBA charge-off rate?
About 0.0% of Farmers and Merchants Bank of Central California's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Farmers and Merchants Bank of Central California do most of its SBA lending?
Farmers and Merchants Bank of Central California's SBA lending in the data is most concentrated in California, and by industry in Real Estate.
Is Farmers and Merchants Bank of Central California an SBA Preferred Lender (PLP)?
The loan record shows Farmers and Merchants Bank of Central California operating under PLP delegated authority: 3 of its 7(a) loans (11.5%) were processed through the Preferred Lenders Program. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Farmers and Merchants Bank of Central California SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/farmers-and-merchants-bank-of-central-california/
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