Farmers and Merchants Bank of Long Beach: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 6.41 percentage points in Q2 2026, from 264.97% to 271.37%. It was the largest change from Q1 2026 among the key lines here. Farmers and Merchants Bank of Long Beach ranks 90th of 114 California banks on loan-to-deposit ratio, in the lower half at 75.72% (Q2 2026). Farmers and Merchants Bank of Long Beach reported 75.72% on loan-to-deposit ratio for Q2 2026, 11.11 points below the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.64B |
| Net loans and leases | $6.55B |
| Loans held for sale | $599K |
| Loans to total assets | 56.37% |
| Loan-to-deposit ratio | 75.72% |
| Net loans to equity capital | 4.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 66.76% |
| Multifamily (5+ residential) | 5.40% |
| Commercial and industrial | 2.18% |
| Consumer | 2.86% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 271.37% |
| Construction concentration (Tier 1 capital + allowance) | 24.23% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.97% |
| Interest income on loans | $80.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $6.80B | $9.06B | 65.20% | 2.19% | 2.54% |
| Q4 2023 | $6.74B | $8.67B | 65.11% | 2.36% | 2.69% |
| Q1 2024 | $6.59B | $8.60B | 67.41% | 2.24% | 2.87% |
| Q2 2024 | $6.50B | $8.81B | 67.42% | 2.39% | 3.00% |
| Q3 2024 | $6.46B | $8.77B | 69.60% | 2.26% | 2.87% |
| Q4 2024 | $6.46B | $8.77B | 69.13% | 2.47% | 3.00% |
| Q1 2025 | $6.42B | $8.70B | 69.73% | 2.23% | 3.17% |
| Q2 2025 | $6.46B | $8.69B | 70.05% | 2.87% | 3.24% |
| Q3 2025 | $6.23B | $8.87B | 70.42% | 2.49% | 2.81% |
| Q4 2025 | $6.07B | $8.95B | 70.40% | 2.40% | 2.95% |
| Q1 2026 | $6.33B | $8.94B | 68.11% | 2.33% | 2.93% |
| Q2 2026 | $6.64B | $8.76B | 66.76% | 2.18% | 2.86% |
Farmers and Merchants Bank of Long Beach loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank of Long Beach, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers and Merchants Bank of Long Beach profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1225) · FFIEC NIC profile (RSSD 871769)