F&M Bank, headquartered in Lodi, California, is a locally owned and operated full-service community bank with more than $5.3 billion in assets. We proudly serve California’s great communities with more than 32 convenient locations. F&M Bank is consistently recognized as one of the safest banks in California. We continue to carry the Five-Star, Superior Bank award by the national independent bank rating firm of Bauer Financial, one of the nation’s most well-known independent rating services for banks and credit unions *. We have received this recognition for more than 20 years, longer than any other commercial bank in the state of California. Along with the experience and knowledge of the communities we support, F&M Bank is dedicated to improving the quality of life in the Central Valley and East Bay by reinvesting a significant portion of our profits back into these communities. We proudly maintain the highest rating possible for Community Reinvestment - an “Outstanding” from the Federal Government. Today, F&M Bank continues to grow and prosper each year, while fulfilling the banking needs of local business, the agriculture community, and families. *Bauer Financial, Inc. rated F&M Bank “5-Star, Superior Bank” as of the quarter ending December 31, 2022. For more information please visit www.bauerfinancial.com. Information is accurate as of 1/23/23.