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Welcome to the San Juan Capistrano Office

The staff members at this centrally located branch in the heart of downtown San Juan Capistrano are like family to their customers due to their loyalty and longevity.

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Welcome to the San Juan Capistrano Office.

The staff members at this centrally located branch in the heart of downtown San Juan Capistrano are like family to their customers due to their loyalty and longevity.

Branch Manager Dee White and Assistant Manager of Operations Estela Camacho, with 23 and 18 years of service respectively, have a total of four decades dedicated to this location. Both Estela and Regional Manager O.J. Gause are longtime San Juan Capistrano residents.

Investing in the community is a high priority for this team of bankers who are deeply involved with the city's Chamber of Commerce as well as the Boys & Girls Club of Capistrano Valley and other area groups. The F&M office in SJC has also been an anchor in the annual Swallows Day Parade for a quarter of a century and serves as a backdrop for those marching and waving.

Dee White


My name is Dee White and I have the distinct pleasure of managing the Farmers & Merchants Bank (F&M) San Juan Capistrano office.  I started as a teller and now, many years later, have the privilege of managing my own office...
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My name is Dee White and I have the distinct pleasure of managing the Farmers & Merchants Bank (F&M) San Juan Capistrano office.  I started as a teller and now, many years later, have the privilege of managing my own office. I enjoy spending time with my family and serving the community. I am proud to be a member of the National Organization of Woman Business Owners (NAWBO) Orange County and the San Juan Capistrano Chamber of Commerce.

Twenty-four 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. My fondest memories of F&M are the opportunities I have had to form long-term relationships with the customers of San Juan Capistrano and walking small-business owners through the lending journey to see them grow their start-up businesses into thriving companies. And, of course, the wassail and gingerbread at Christmas!

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

Dee White


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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