PUBLIC NOTICE FROM FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA

PUBLIC NOTICE FROM FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA Farmers & Merchants Bank of Central California, 121 West Pine Street, Lodi, California, has applied to the Federal Deposit Insurance Corporation (FDIC) to open a new branch office that will be located at 19000 N Highway 88, City of Lockeford, San Joaquin County, California 95237. The FDIC considers a number of factors in deciding whether to approve the application, including our Bank's record of performance in helping meet local credit needs. Any person wishing to comment on this application may file his or her comments with the regional director of the Federal Deposit Insurance Corporation at the FDIC office, 25 Jessie Street @ Ecker Square, San Francisco, CA 94105, not later than 15 days from the date of this notice. The non-confidential portions of the application are on file at the appropriate FDIC office and are available for public inspection during regular business hours. Photocopies of the non-confidential portion of the application file will be made available upon request. January 19 2026 LYRK0442168