Bank Comparison
Farmers and Merchants Bank of Long Beach vs First American Trust, FSB
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 9
winning metrics across 14 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Farmers and Merchants Bank of Long Beach | First American Trust, FSB |
|---|---|---|
| CET1 Ratio | 18.25% | 33.45% |
| Tier 1 Capital Ratio | 20.65% | 33.45% |
| Total Capital Ratio | 21.86% | 33.45% |
| Tier 1 Leverage Ratio | 13.95% | 7.89% |
| Equity / Assets | 13.90% | 5.56% |
Profitability
| Metric | Farmers and Merchants Bank of Long Beach | First American Trust, FSB |
|---|---|---|
| Return on Assets (ROA) | 1.21% | 1.39% |
| Return on Equity (ROE) | 8.76% | 23.51% |
| Net Interest Margin (NIM) | 2.78% | 2.66% |
| Yield on Earning Assets | 4.00% | 3.95% |
| Cost of Funds | 1.39% | 0.98% |
Asset quality
| Metric | Farmers and Merchants Bank of Long Beach | First American Trust, FSB |
|---|---|---|
| Texas Ratio | 0.11% | 0.00% |
| Non-Performing Loan Ratio | 0.03% | — |
| Non-Performing Asset Ratio | 0.02% | 0.00% |
| Net Charge-Off Ratio | -0.06% | — |
| ACL / Loans | 1.27% | — |
Balance sheet
| Metric | Farmers and Merchants Bank of Long Beach | First American Trust, FSB |
|---|---|---|
| Total Assets | $11.77B | $9.23B |
| Total Deposits | $8.76B | $8.70B |
| Total Loans | $6.64B | $0 |
| Total Equity | $1.64B | $513.1M |
| Net Income (quarter) | $35.5M | $30.0M |
Liquidity & funding
| Metric | Farmers and Merchants Bank of Long Beach | First American Trust, FSB |
|---|---|---|
| Loan-to-Deposit Ratio | 75.72% | 0.00% |
| Core Deposit Ratio | 93.33% | 100.00% |
| Uninsured Deposit Ratio | 54.45% | 63.84% |
Identity
| Metric | Farmers and Merchants Bank of Long Beach | First American Trust, FSB |
|---|---|---|
| Headquarters City | Long Beach | Santa Ana |
| Headquarters State | CA | CA |
| Asset Tier | $10B to $100B in assets | $1B to $10B in assets |
| Regulator | FED | OCC |
| Domestic Branches | 27 | 11 |
| Employees (FTE) | 824 | 231 |
| Established | November 20, 1907 | July 30, 1985 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Farmers and Merchants Bank of Long Beach profile | View full First American Trust, FSB profile | Browse all bank comparisons