Farmers and Merchants Bank of Long Beach: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers and Merchants Bank of Long Beach of Long Beach, CA against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.21% | 1.39% | -0.18% | 43rd below |
| ROAE | 8.76% | 12.26% | -3.50% | 25th below |
| Net Interest Margin | 2.78% | 3.82% | -1.04% | 13th bottom |
| Efficiency Ratio | 57.20% | 54.22% | +2.98% | 34th below |
| PPNR / Avg Assets | 1.35% | 2.05% | -0.70% | 19th bottom |
| Yield on Earning Assets | 4.00% | 5.72% | -1.72% | 3rd bottom |
| Cost of Funds | 1.39% | 2.03% | -0.64% | 81st top |
| Net Interest Spread | 2.02% | 3.13% | -1.11% | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.99% | -0.96% | 98th top |
| NPA / Total Assets | 0.02% | 0.72% | -0.70% | 96th top |
| NCO / Avg Loans | -0.06% | 0.33% | -0.39% | 99th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.39% | -0.12% | 64th above |
| ACL / NPLs (Coverage) | 4249.80% | 204.39% | +4045.41% | — |
| Texas Ratio | 0.11% | 8.94% | -8.83% | 97th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.25% | 15.63% | +2.62% | 90th top |
| Tier 1 Ratio | 20.65% | 15.74% | +4.91% | 92nd top |
| Total Capital Ratio | 21.86% | 16.87% | +4.99% | 92nd top |
| Leverage Ratio | 13.95% | 10.47% | +3.48% | 96th top |
| Equity / Assets | 13.90% | 11.69% | +2.21% | 84th top |
| TCE / Tangible Assets | 12.28% | 9.71% | +2.57% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.72% | 84.65% | -8.93% | 79th top |
| Core Deposit Ratio | 93.33% | 86.56% | +6.77% | 66th above |
| Uninsured Deposit Ratio | 54.45% | 36.71% | +17.74% | 7th bottom |
| Wholesale Funding Ratio | 11.18% | 5.79% | +5.39% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.29% | 11.99% | -8.70% | 35th below |
| Loan Growth (Y/Y) | 2.73% | 11.43% | -8.70% | 27th below |
| Deposit Growth (Y/Y) | 0.86% | 11.41% | -10.55% | 22nd bottom |
See Farmers and Merchants Bank of Long Beach's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers and Merchants Bank of Long Beach, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Farmers and Merchants Bank of Long Beach profile, how to read a UBPR, or how this data updates.