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Welcome to the Lake Forest Office

Since opening its doors in 1981, the Lake Forest office has maintained a high level of customer service with personalized banking that caters to the business community. The friendly staff

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Welcome to the Lake Forest Office.

Since opening its doors in 1981, the Lake Forest office has maintained a high level of customer service with personalized banking that caters to the business community.

The friendly staff members at the Lake Forest office hold an intimate understanding of the community and its residents, and enjoy the low employee turnover rate characteristic of F&M. The high ceilings and mezzanine of the remodeled office create a warm environment that invites customers to stop by and visit the Lake Forest team.

The Lake Forest staff is active in community affairs. Branch Manager Stephanie Traeger has been part of the F&M team for more than five years and also sits on the board of Operation Jump Start and is a committee member for the Grand Prix of Long Beach Charity Ball.  She is also actively involved in Future Leaders of Our Community, Newport Jaycees, Lake Forest and Irvine Chambers and CalCPA. 

Stephanie Traeger


My name is Stephanie Traeger and I have the distinct pleasure of managing the Farmers & Merchants Bank (F&M) Lake Forest office.  I started as a Credit Analyst and now have the privilege...
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My name is Stephanie Traeger and I have the distinct pleasure of managing the Farmers & Merchants Bank (F&M) Lake Forest office.  I started as a Credit Analyst and now have the privilege of managing my own office. I enjoy spending time with my family and friends, traveling, running and serving my community. I sit on the board of Operation Jump Start and am a committee member for the Grand Prix of Long Beach Charity Ball.  I am also actively involved in Future Leaders of Our Community, Newport Jaycees, Lake Forest and Irvine Chambers and CalCPA.

Ten years of banking experience combined with a degree in economics from San Diego State University has enabled me to play an instrumental role in F&M’s growth and, more importantly, assist people with their banking needs.  Helping people is what motivates me every day.  My fondest memory of F&M was celebrating Farmers & Merchants Bank’s 100-year anniversary at my first F&M banquet; I am honored to be part of this organization’s long and storied history. 

Please call or stop by our office and introduce yourself.  I welcome the opportunity to meet you.

Stephanie Traeger


OJ Gause


My name is O.J. Gause and I have the distinct pleasure of serving as Regional Manager of the San Juan Capistrano, San Clemente, Lake Forest and Laguna Hills Farmers & Merchants Bank (F&M) offices.
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My name is O.J. Gause and I have the distinct pleasure of serving as Regional Manager of the San Juan Capistrano, San Clemente, Lake Forest and Laguna Hills Farmers & Merchants Bank (F&M) offices. I started as a Loan Officer and now have the privilege of being a Regional Manager. I enjoy spending time with my family and also serve as a Board Member for the CERT (Civilian Emergency Response Team) of San Juan Capistrano, Assistant Team Leader for the San Juan Capistrano Fire, Search & Rescue Team, Board Member and Treasurer for the National Center of Chaplain Training & Development, and member of the San Juan Capistrano Rotary Club.

Thirty-one years of banking experience combined with extensive college coursework has enabled me to play an instrumental role in F&M’s growth and, more importantly, assist people with their banking needs. Helping people is what motivates me every day. My fondest memories of F&M are made on a daily basis. I feel valued as a person and as an employee.

OJ Gause

Regional Manager

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