Farmers & Merchants Bancorp is the parent company of Farmers & Merchants Bank of Central California. The Company offers a range of deposit products, including checking, savings, money market, time certificates of deposit, individual retirement accounts and online banking services for both business and personal accounts. The Company provides a complement of lending products, including commercial, commercial real estate, real estate construction and others. Its commercial products include term loans, leases, lines of credit and other working capital financing and letters of credit. Its financing products for individuals include automobile financing, lines of credit, residential real estate, and others. It also offers a range of specialized services designed for the needs of its commercial accounts. These services include a credit card program for merchants, lockbox and other collection services, account reconciliation, investment sweep, online account access, and electronic funds.