Farmers and Merchants Bank of Long Beach
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Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants Bank of Long Beach is an FDIC-insured commercial bank headquartered in Long Beach, CA, supervised by the Federal Reserve, with $11.77B in total assets at Q2 2026, up 3.3% from Q2 2025, the 10th largest of 113 banks headquartered in California. It was established in 1907 and holds FDIC certificate 1225. Its CET1 capital ratio was 18.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1225
- Headquarters
- Long Beach, CA
- Established
- 1907
- Total assets, Q2 2026
- $11.77B
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 18.25%
- Domestic offices
- 27 · Farmers and Merchants Bank of Long Beach branches FDIC institution directory, current count
- Routing number
- 122201198
- Safety and soundness
- Is Farmers and Merchants Bank of Long Beach safe?
- Latest call report
- Q2 2026, FFIEC 041 · Farmers and Merchants Bank of Long Beach Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- PALOMAR ENTERPRISES, LLC
- Asset rank in state
- 10th of 113 in California
Farmers and Merchants Bank of Long Beach carries far more capital than most banks of its size. Its balance sheet stood at $11.8 billion at June 30, 2026, up 3.3% from a year earlier; it is based in Long Beach, California. It holds common equity equal to 18.25% of its risk-weighted assets, higher than about 9 in 10 of the 124 banks with $10 billion to $100 billion in assets (median 12.98%). On the other hand, it holds about half of its deposits (54%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 38.6%).
Earnings jumped: net income for the quarter was $36 million, 156% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.01% of loans from 0.72%. Its margin is thin by comparison: it keeps 2.78 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.63 cents).
As of June 30, 2026, Farmers and Merchants Bank of Long Beach reported a CET1 capital ratio of 18.25%, a return on assets of 1.21%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers and Merchants Bank of Long Beach is the 10th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $11.77B, loans rose 4.8% and deposits fell 2.0%. Non-owner-occupied commercial real estate loans made up 55.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 11.8%. The FDIC Summary of Deposits lists 27 offices for it, in 21 cities in CA; its Long Beach 6 offices book 27% of its branch deposits. On its Q2 2026 call report, Farmers and Merchants Bank of Long Beach meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 302 Pine Ave, Long Beach, CA 90802
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 20, 1907
- Domestic offices
- 27 FDIC institution directory, current count
- Employees (FTE)
- 824
- Domestic deposits
- $8.76B
- Allowance for credit losses
- $84.0M
- Net charge-offs (YTD)
- -$959K
- Average total assets
- $11.78B
- Average total loans
- $6.47B
- Average interest-bearing deposits
- $5.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1225
- Fed RSSD
- 871769
- Website
- www.fmb.com →
- Parent Holding Company
- PALOMAR ENTERPRISES, LLC (RSSD 3649950)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Farmers and Merchants Bank of Long Beach's total assets ran between $11.40B (Q2 2025) and $12.46B (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$11.77B total assets against $11.40B; $10.13B total liabilities against $10.01B.
$6.55B net loans and leases against $6.36B; $8.76B total deposits against $8.69B.
$4.41B securities against $3.51B; $504.3M cash and balances due against $1.22B.
$115.3M total interest income against $105.1M; $35.2M total interest expense against $38.2M.
$80.1M net interest income against $66.9M.
$14.2M total noninterest income against $3.7M; $54.6M total noninterest expense against $48.7M.
-$3.3M provision for credit losses against $3.3M.
$35.5M net income against $13.9M.
1.21% return on assets against 0.49%; 2.78% net interest margin against 2.41%.
18.25% CET1 capital ratio against 17.91%; 13.95% tier 1 leverage ratio against 12.18%.
Inside the full Farmers and Merchants Bank of Long Beach terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Farmers and Merchants Bank of Long Beach rankings
Its closest position to the top of a national ranking is 145 of 4,196, for total assets; its furthest is 3,287 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.13% (Q4 2024) to 1.21% (Q2 2026) and its net interest margin ran from 2.02% (Q3 2024) to 2.78% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.25% | 1.21% | 0.01% | 0.05% | 2.78% |
| Q1 2026 | 18.23% | 0.74% | 0.14% | 0.52% | 2.68% |
| Q4 2025 | 18.84% | 0.66% | 0.13% | 0.47% | 2.56% |
| Q3 2025 | 18.40% | 0.63% | 0.99% | 4.13% | 2.46% |
| Q2 2025 | 17.91% | 0.49% | 0.72% | 3.13% | 2.41% |
| Q1 2025 | 17.91% | 0.58% | 0.80% | 3.49% | 2.27% |
| Q4 2024 | 17.52% | 0.13% | 0.35% | 1.55% | 2.13% |
| Q3 2024 | 17.40% | 0.47% | 0.69% | 3.22% | 2.02% |
Swipe the table sideways to see every column.
Branch Network
View all 27 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Merchants Bank of Long Beach (main office) | Long Beach , CA | 90802 | $771.0M |
| Corona Del Mar Branch | Corona Del Mar , CA | 92625 | $718.6M |
| Orange Branch | Orange , CA | 92867 | $470.2M |
| Town & Country Branch | Seal Beach , CA | 90740 | $455.1M |
| Lakewood Branch | Lakewood , CA | 90712 | $453.9M |
| San Juan Capistrano Branch | San Juan Capistrano , CA | 92675 | $453.6M |
| West Fullerton Branch | Fullerton , CA | 92832 | $430.5M |
| Newport Beach Branch | Newport Beach , CA | 92660 | $406.5M |
| Rolling Hills Branch | Rolling Hills , CA | 90274 | $385.8M |
| Los Altos Branch | Long Beach , CA | 90815 | $380.5M |
| Bixby Knolls Center Branch | Long Beach , CA | 90807 | $373.4M |
| Belmont Shore Branch | Long Beach , CA | 90803 | $365.0M |
| Huntington Beach Branch | Huntington Beach , CA | 92648 | $299.1M |
| Santa Ana Branch | Santa Ana , CA | 92705 | $294.9M |
| Lake Forest Branch | El Toro , CA | 92630 | $287.3M |
| Garden Grove Branch | Garden Grove , CA | 92840 | $279.5M |
| Memorial Hospital Branch | Long Beach , CA | 90806 | $266.4M |
| Tustin Branch | Tustin , CA | 92782 | $251.5M |
| Torrance Branch | Torrance , CA | 90505 | $250.9M |
| Downey Branch | Downey , CA | 90241 | $248.0M |
| San Clemente Branch | San Clemente , CA | 92672 | $223.6M |
| Laguna Hills Branch | Laguna Hills , CA | 92653 | $218.4M |
| East Long Beach Branch | Long Beach , CA | 90804 | $181.5M |
| Redondo Beach Branch | Redondo Beach , CA | 90277 | $124.1M |
| Santa Barbara Branch | Santa Barbara , CA | 93101 | $102.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 9, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 9, 1985 | Structure Change | Acquired Town & Country Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 6, 1985 | Structure Change | Acquired Capistrano National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 5, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 14, 1962 | Structure Change | Acquired Farmers and Merchants Bank of Southern Counties Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (Federal Reserve); 4 against individuals associated with it
- November 1, 2007, Federal Reserve: Civil Money Penalty $9,240: Farmers and Merchants Bank of Long Beach, Long Beach, CA
- November 10, 1993, Federal Reserve: Written Agreement: Farmers and Merchants Bank of Long Beach, Long Beach, CA
- December 28, 1992, Federal Reserve: Civil Money Penalty $100,000: Farmers and Merchants Bank of Long Beach, Long Beach, CA
- March 23, 1992, Federal Reserve: Cease and Desist Order: Farmers and Merchants Bank of Long Beach, Long Beach, CA
- Period: Most recent institution action November 1, 2007. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in CA, rank 22 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 108 applications, 57 loans originated, $58.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $2.4M approved, $473K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 4 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2024-Q2 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers and Merchants Bank of Long Beach
What are Farmers and Merchants Bank of Long Beach's total assets?
As of the Q2 2026 filing, Farmers and Merchants Bank of Long Beach reported total assets of $11.77 billion in its FFIEC call report.
Where is Farmers and Merchants Bank of Long Beach headquartered?
It is headquartered in Long Beach, CA, United States.
When was Farmers and Merchants Bank of Long Beach founded?
It was established in 1907, per the FDIC institution directory.
Is Farmers and Merchants Bank of Long Beach FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers and Merchants Bank of Long Beach?
Farmers and Merchants Bank of Long Beach's primary federal regulator is the Federal Reserve.
What is Farmers and Merchants Bank of Long Beach's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers and Merchants Bank of Long Beach operate?
It operates 27 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Merchants Bank of Long Beach's Texas Ratio?
Its Texas Ratio is 0.05% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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