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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in CA.
  • Deposits +0.9% year over year ($8.8B on the books).
  • Delinquency rate 0.01%.
  • Return on assets 0.97%.
  • Efficiency ratio 60.58% vs a 53.67% peer average.
  • Loan-to-deposit ratio 74.76% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 10 in CA
View $10B-$250B leaderboard (CA) →

Farmers and Merchants Bank of Long Beach has 3 strengths but faces 4 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 1.00% below tier average
  • + Non-Interest-Bearing Deposit Share 12.95% above tier average
  • + Nonperforming Asset Ratio 0.72% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 31.8% in tier
  • - ROA 0.42% below tier average
  • - Net Interest Margin 1.16% below tier average
  • - Efficiency Ratio 6.91% above tier average
Get updates when Farmers and Merchants Bank of Long Beach releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $11.8B
+3.3% YoY -0.7% QoQ
-$31.8B $43.6B
-13.8% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Bottom 8.6% in tier
Total Loans ? $6.6B
+3.0% YoY +4.9% QoQ
-$21.4B $28.0B
-8.6% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Bottom 5.0% in tier
Total Deposits ? $8.8B
+0.9% YoY -2.0% QoQ
-$26.7B $35.4B
-14.0% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Bottom 5.0% in tier
Return on Assets ? 0.97%
+82.6% YoY +31.4% QoQ
-0.42% 1.39%
+25.9% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 2.76%
+17.4% YoY +1.8% QoQ
-1.16% 3.92%
+8.9% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Bottom 14.4% in tier
Efficiency Ratio ? 60.58%
-12.7% YoY -4.9% QoQ
+6.91% 53.67%
-1.9% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 0.01%
-98.1% YoY -90.0% QoQ
-1.00% 1.01%
-2.8% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 1.4% in tier
Loan-to-Deposit Ratio ? 74.76%
+2.1% YoY +7.0% QoQ
-7.85% 82.61%
+3.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
77%
Non-Interest-Bearing Deposit Share ? 33.53%
-2.0% YoY -4.1% QoQ
+12.95% 20.58%
+4.9% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 9.4% in tier
Nonperforming Asset Ratio ? 0.01%
-98.1% YoY -89.5% QoQ
-0.72% 0.73%
+5.8% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 2.2% in tier
Tier 1 Capital Ratio ? 20.65%
+15.3% YoY -0.2% QoQ
+5.30% 15.35%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 7.2% in tier
Non-Interest Income / Assets ? 0.15%
+135.2% YoY +413.1% QoQ
-0.35% 0.50%
+10.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
17%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 33.5%
-0.7pp YoY
-1.4pp QoQ
 +12.5pp 21.0% 25.5% 22.2% 90%
Brokered Deposits n/a n/a 9.2% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 2.2%
-0.7pp YoY
-0.2pp QoQ
 -15.0pp 17.2% 11.8% 12.5% 5%
CRE 79.5%
-3.1pp YoY
-0.7pp QoQ
 +37.4pp 42.0% 67.5% 41.4% 99%
1-4 Family 9.0%
-0.1pp YoY
-0.1pp QoQ
 -14.1pp 23.1% 16.5% 31.3% 15%
Consumer 2.9%
-0.4pp YoY
-0.1pp QoQ
 -10.0pp 12.9% 5.3% 5.0% 60%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 18.2%
+0.3pp YoY
0.0pp QoQ
 +3.0pp 15.3% 23.7% 19.7% 90%
Leverage Ratio 14.0%
+1.8pp YoY
+0.3pp QoQ
 +3.5pp 10.4% 14.5% 12.6% 96%
Total Capital Ratio 21.9%
+2.7pp YoY
-0.1pp QoQ
 +5.3pp 16.5% 25.1% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 824
+15 (+1.9%) YoY
+8 (+1.0%) QoQ
 -2,434 3,258 337 482 17%
Assets per Employee ($) $14.3M
+1.4% YoY
-1.7% QoQ
 -$12.7M $27.0M $11.3M $8.8M 59%
Branch Count 27
0 YoY
0 QoQ
 -111 137 15 18 28%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.4% 0.3% 0.4% n/a
Nonaccrual 0.0%
-0.7pp YoY
-0.1pp QoQ
 -0.7pp 0.7% 1.4% 1.0% 2%
Allowance Coverage 91.58x
+4273.1% YoY
+842.3% QoQ
 +88.77x 2.81x 17.11x 20.23x 99%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 0.4% 0.3% 0.2% 1%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 7.1%
+2.6pp YoY
+1.6pp QoQ
 -5.5pp 12.6% 8.2% 11.6% 12%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 2.0% 1.9% 1.7% 11%
Net Income ($, YTD) $57.4M
+87.1% YoY
— QoQ
 -$239.4M $296.8M $28.5M $40.4M 9%

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 22 • Bottom 31.8% 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: 20.65%
(Tier: 15.35%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 74.76%
(Tier: 82.61%, National: 79.03%)
better than tier avg
22 of 22 Large banks match · 940 nationally
→ Stable +7 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).
Comparing against 139 peers in $10B-$250B

Top Strengths (5 metrics)

3
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 1.01%
#3 of 138 Top 1.4% in $10B-$250B
4
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.73%
#4 of 139 Top 2.2% in $10B-$250B
11
Tier 1 Capital Ratio
capital
Value: 20.65%
Peer Median: 15.35%
#11 of 139 Top 7.2% in $10B-$250B
14
Non-Interest-Bearing Deposit Share
funding
Value: 33.53%
Peer Median: 20.58%
#14 of 139 Top 9.4% in $10B-$250B
33
Loan-to-Deposit Ratio
liquidity
Value: 74.76%
Peer Median: 82.61%
#33 of 139 Top 23.0% in $10B-$250B

Top Weaknesses (6 metrics)

133
Total Deposits
size
Value: $8.76B
Peer Median: $35.42B
#133 of 139 Bottom 5.0% in $10B-$250B
133
Total Loans
size
Value: $6.55B
Peer Median: $27.97B
#133 of 139 Bottom 5.0% in $10B-$250B
128
Total Assets
size
Value: $11.77B
Peer Median: $43.60B
#128 of 139 Bottom 8.6% in $10B-$250B
120
Net Interest Margin
profitability
Value: 2.76%
Peer Median: 3.92%
#120 of 139 Bottom 14.4% in $10B-$250B
117
Non-Interest Income / Assets
revenue_mix
Value: 0.15%
Peer Median: 0.50%
#117 of 139 Bottom 16.5% in $10B-$250B
112
Return on Assets
profitability
Value: 0.97%
Peer Median: 1.39%
#112 of 139 Bottom 20.1% in $10B-$250B
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