Farmers and Merchants Bank of Long Beach: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.2% between Q1 2026 and Q2 2026, to $35.2M. Farmers and Merchants Bank of Long Beach has the 8th lowest net interest margin of the 114 banks headquartered in California, at 2.78% as of Q2 2026. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Farmers and Merchants Bank of Long Beach sits 0.82 points lower, at 2.78% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.00% |
| Yield on loans | 4.98% |
| Yield on securities | 2.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.39% |
| Cost of interest-bearing deposits | 1.74% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 3.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.78% |
| Yield to cost spread | 2.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $80.5M |
| Total interest expense | $35.2M |
| Interest expense on deposits | $25.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.56% | 1.25% | 2.14% | 4.49% | 1.88% |
| Q4 2023 | 3.60% | 1.35% | 2.08% | 4.53% | 1.87% |
| Q1 2024 | 3.62% | 1.90% | 1.92% | 4.51% | 1.86% |
| Q2 2024 | 3.66% | 1.94% | 1.92% | 4.52% | 1.86% |
| Q3 2024 | 3.80% | 1.99% | 2.02% | 4.68% | 1.94% |
| Q4 2024 | 3.73% | 1.79% | 2.13% | 4.66% | 1.89% |
| Q1 2025 | 3.70% | 1.60% | 2.27% | 4.65% | 1.97% |
| Q2 2025 | 3.78% | 1.53% | 2.41% | 4.75% | 1.89% |
| Q3 2025 | 3.87% | 1.59% | 2.46% | 4.86% | 1.81% |
| Q4 2025 | 3.89% | 1.50% | 2.56% | 4.94% | 2.06% |
| Q1 2026 | 3.87% | 1.35% | 2.68% | 4.85% | 2.45% |
| Q2 2026 | 4.00% | 1.39% | 2.78% | 4.98% | 2.60% |
Farmers and Merchants Bank of Long Beach yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank of Long Beach, freeSource: Call Report Schedules RI and RC-K, 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)