This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Lodi, CA
Health score
91.3
Total assets
$5.8B
Bank
San Jose, CA
Health score
72.4
Total assets
$5.7B
Answer first
Farmers & Merchants Bank of Central California leads on financial health and capitalization and profitability and growth; Heritage Bank of Commerce leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Farmers & Merchants Bank of Central California
Higher TFS health score
Capitalization
Farmers & Merchants Bank of Central California
Higher comparable capital ratio
Profitability
Farmers & Merchants Bank of Central California
Higher return on assets
Lending quality
Heritage Bank of Commerce
Lower problem-loan measure
Growth
Farmers & Merchants Bank of Central California
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Farmers & Merchants Bank of Central California | Heritage Bank of Commerce |
|---|---|---|
| TFS health score | 91.3/100Leads | 72.4/100 |
| Total assets | $5.8B | $5.7B |
| Total deposits / shares | $5.1B | $4.8B |
| Tier 1 capital ratio | 11.65%Leads | 9.89% |
| Return on assets | 1.74%Leads | -0.12% |
| Return on equity | 15.04% |
Farmers & Merchants Bank of Central California
34 branches
Heritage Bank of Commerce
17 branches
Both institutions report branches in 1 state: CA.
Farmers & Merchants Bank of Central California
Unavailable
Heritage Bank of Commerce
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Farmers & Merchants Bank of Central California
0 in TFS registry
Heritage Bank of Commerce
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Farmers & Merchants Bank of Central California score | Farmers & Merchants Bank of Central California ROA | Heritage Bank of Commerce score | Heritage Bank of Commerce ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.68% | — | 0.84% |
| 2024-Q4 | — | 1.68% | — | 0.84% |
| 2025-Q1 | — | 1.71% | — | 0.92% |
| 2025-Q2 | — | 1.72% | — | 0.74% |
| 2025-Q3 | — | 1.72% | — | 0.87% |
| 2025-Q4 | — | 1.73% | — | 0.94% |
| 2026-Q1 | 89.1/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| -0.97% |
| Non-performing loans | 0.13% | 0.10%Leads |
| Net charge-offs | 0.01%Leads | 0.07% |
| Efficiency ratio | 44.13%Leads | 105.60% |
| Loan-to-deposit ratio | 71.16% | 73.69% |
| Asset growth (YoY) | 6.48%Leads | 2.86% |
| Deposit / share growth (YoY) | 6.96%Leads | 2.53% |
| Branches | 34 | 17 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.71% |
| 72.4/100 |
| -0.12% |
| 2026-Q2 | 91.3/100 | 1.74% | — | — |