Farmers and Merchants Bank of Long Beach: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 3384.57 percentage points in Q2 2026, from 865.23% to 4249.80%. It was the largest change from Q1 2026 among the key lines here. Within California, Farmers and Merchants Bank of Long Beach is 44th of 114 on return on assets, 1.21% as of Q2 2026, above the middle of the field. Farmers and Merchants Bank of Long Beach reported 1.21% on return on assets for Q2 2026, 0.09 points below the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.25% |
| Tier 1 risk-based capital ratio | 20.65% |
| Total risk-based capital ratio | 21.86% |
| Tier 1 leverage ratio | 13.95% |
| Equity capital to assets | 13.90% |
| Tangible equity to tangible assets | 13.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 0.11% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 4249.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.21% |
| Return on equity | 8.76% |
| Net interest margin | 2.78% |
| Efficiency ratio | 57.20% |
| Yield on earning assets | 4.00% |
| Cost of funds | 1.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.72% |
| Core deposits to total deposits | 93.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 74.45% |
| Securities to assets | 37.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.01% | 16.01% | 17.26% | 10.80% | 0.56% |
| Q4 2023 | 16.26% | 16.26% | 17.51% | 11.01% | 0.42% |
| Q1 2024 | 16.77% | 16.77% | 18.02% | 11.09% | 0.42% |
| Q2 2024 | 17.00% | 17.00% | 18.26% | 11.21% | 0.45% |
| Q3 2024 | 17.40% | 17.40% | 18.65% | 11.20% | 0.47% |
| Q4 2024 | 17.52% | 17.52% | 18.77% | 11.42% | 0.13% |
| Q1 2025 | 17.91% | 17.91% | 19.16% | 11.89% | 0.58% |
| Q2 2025 | 17.91% | 17.91% | 19.16% | 12.18% | 0.49% |
| Q3 2025 | 18.40% | 18.40% | 19.65% | 12.15% | 0.63% |
| Q4 2025 | 18.84% | 21.39% | 22.64% | 13.49% | 0.66% |
| Q1 2026 | 18.23% | 20.69% | 21.94% | 13.61% | 0.74% |
| Q2 2026 | 18.25% | 20.65% | 21.86% | 13.95% | 1.21% |
Farmers and Merchants Bank of Long Beach vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank of Long Beach, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)