BlastPoint's Banking Scorecard

Farmers and Merchants Bank of Long Beach

$10B-$250B Specialty: Commercial CA FDIC cert 1225

Designations: ✓ Community bank

Long Beach, CA

27 branches across CA

135 banks in the $10B-$250B peer group nationally 10 in CA

Farmers and Merchants Bank of Long Beach has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.88% below tier average
+ Non-Interest-Bearing Deposit Share 15.15% above tier average
+ Nonperforming Asset Ratio 0.65% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 29.2% in tier
- Non-Interest Income / Assets 0.20% below tier average
- ROA 0.54% below tier average
- Net Interest Margin 1.05% below tier average
- Efficiency Ratio 9.80% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$11.9B +3.2% YoY +0.5% QoQ	-$35.5B	$47.4B -2.0% YoY	$4.8B +7.6% YoY	$6.2B +9.0% YoY	Bottom 5.9% in tier
Total Loans ?	$6.2B -1.2% YoY +4.3% QoQ	-$23.4B	$29.6B -0.4% YoY	$3.3B +8.3% YoY	$3.2B +10.7% YoY	Bottom 4.4% in tier
Total Deposits ?	$8.9B +2.8% YoY -0.1% QoQ	-$29.8B	$38.7B -1.6% YoY	$3.9B +6.9% YoY	$4.8B +8.0% YoY	Bottom 5.2% in tier
Return on Assets ?	0.74% +27.5% YoY +25.6% QoQ	-0.54%	1.28% +19.3% YoY	1.75% +28.6% YoY	1.24% +13.1% YoY	Bottom 14.1% in tier
Net Interest Margin ?	2.71% +18.7% YoY +10.9% QoQ	-1.05%	3.77% +5.6% YoY	3.80% +3.1% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	63.70% -8.8% YoY -6.9% QoQ	+9.80%	53.90% -4.0% YoY	69.04% -8.1% YoY	66.84% -3.8% YoY	22%
Delinquency Rate ?	0.14% -82.7% YoY +6.7% QoQ	-0.88%	1.02% -4.1% YoY	1.18% +69.8% YoY	0.95% +18.8% YoY	Top 6.7% in tier
Loan-to-Deposit Ratio ?	69.85% -3.9% YoY +4.5% QoQ	-11.03%	80.88% +2.0% YoY	85.63% +2.0% YoY	76.69% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	34.97% +2.0% YoY +1.1% QoQ	+15.15%	19.82% +0.3% YoY	24.99% -4.4% YoY	22.01% -1.1% YoY	Top 3.7% in tier
Nonperforming Asset Ratio ?	0.07% -83.5% YoY +10.8% QoQ	-0.65%	0.73% +4.0% YoY	0.92% +66.1% YoY	0.66% +19.3% YoY	Top 8.1% in tier
Tier 1 Capital Ratio ?	20.69% +15.5% YoY -3.3% QoQ	+5.13%	15.56% -0.1% YoY	21.06% -3.6% YoY	17.06% +0.8% YoY	Top 8.1% in tier
Non-Interest Income / Assets ?	0.03% -5.0% YoY -76.2% QoQ	-0.20%	0.23% +0.9% YoY	0.69% +11.1% YoY	0.32% +4.0% YoY	Bottom 8.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#8 of 24 • Bottom 29.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.69%

(Tier: 15.56%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 69.85%

(Tier: 80.88%, National: 76.69%)

better than tier avg

24 of 24 Large banks match · 939 nationally

→ Stable +14 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 34.97%

Peer Median: 19.82%

#6 of 135 Top 3.7% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.14%

Peer Median: 1.02%

#10 of 134 Top 6.7% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.73%

#12 of 135 Top 8.1% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 20.69%

Peer Median: 15.56%

#12 of 135 Top 8.1% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 69.85%

Peer Median: 80.88%

#26 of 135 Top 18.5% in $10B-$250B

Top Weaknesses (7 metrics)

130

Total Loans

size

Value: $6.24B

Peer Median: $29.62B

#130 of 135 Bottom 4.4% in $10B-$250B

129

Total Deposits

size

Value: $8.94B

Peer Median: $38.75B

#129 of 135 Bottom 5.2% in $10B-$250B

128

Total Assets

size

Value: $11.86B

Peer Median: $47.36B

#128 of 135 Bottom 5.9% in $10B-$250B

124

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.23%

#124 of 135 Bottom 8.9% in $10B-$250B

117

Return on Assets

profitability

Value: 0.74%

Peer Median: 1.28%

#117 of 135 Bottom 14.1% in $10B-$250B

113

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.77%

#113 of 135 Bottom 17.0% in $10B-$250B

106

Efficiency Ratio

profitability

Value: 63.70%

Peer Median: 53.90%

#106 of 135 Bottom 22.2% in $10B-$250B