Bank Comparison
Happen Bank, N.A. vs Farmers and Merchants Bank of Long Beach
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 11
winning metrics across 17 scored rows
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Capital adequacy
| Metric | Happen Bank, N.A. | Farmers and Merchants Bank of Long Beach |
|---|---|---|
| CET1 Ratio | 15.57% | 18.25% |
| Tier 1 Capital Ratio | 15.57% | 20.65% |
| Total Capital Ratio | 16.83% | 21.86% |
| Tier 1 Leverage Ratio | 10.98% | 13.95% |
| Equity / Assets | 11.45% | 13.90% |
Profitability
| Metric | Happen Bank, N.A. | Farmers and Merchants Bank of Long Beach |
|---|---|---|
| Return on Assets (ROA) | 1.91% | 1.21% |
| Return on Equity (ROE) | 16.57% | 8.76% |
| Net Interest Margin (NIM) | 6.11% | 2.78% |
| Yield on Earning Assets | 9.18% | 4.00% |
| Cost of Funds | 3.41% | 1.39% |
Asset quality
| Metric | Happen Bank, N.A. | Farmers and Merchants Bank of Long Beach |
|---|---|---|
| Texas Ratio | 6.22% | 0.11% |
| Non-Performing Loan Ratio | 1.30% | 0.03% |
| Non-Performing Asset Ratio | 0.73% | 0.02% |
| Net Charge-Off Ratio | 1.96% | -0.06% |
| ACL / Loans | 2.74% | 1.27% |
Balance sheet
| Metric | Happen Bank, N.A. | Farmers and Merchants Bank of Long Beach |
|---|---|---|
| Total Assets | $12.48B | $11.77B |
| Total Deposits | $10.85B | $8.76B |
| Total Loans | $7.04B | $6.64B |
| Total Equity | $1.43B | $1.64B |
| Net Income (quarter) | $57.8M | $35.5M |
Liquidity & funding
| Metric | Happen Bank, N.A. | Farmers and Merchants Bank of Long Beach |
|---|---|---|
| Loan-to-Deposit Ratio | 64.89% | 75.72% |
| Core Deposit Ratio | 88.38% | 93.33% |
| Uninsured Deposit Ratio | 11.97% | 54.45% |
Identity
| Metric | Happen Bank, N.A. | Farmers and Merchants Bank of Long Beach |
|---|---|---|
| Headquarters City | Lehi | Long Beach |
| Headquarters State | UT | CA |
| Asset Tier | $10B to $100B in assets | $10B to $100B in assets |
| Regulator | OCC | FED |
| Domestic Branches | 2 | 27 |
| Employees (FTE) | 1,093 | 824 |
| Established | August 26, 1987 | November 20, 1907 |
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.
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