Farmers and Merchants Bank of Long Beach: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants Bank of Long Beach is an FDIC-insured commercial bank, in the Southern California banking corridor. Total assets stand at $11.8B. The bank posts a strong 1.21% ROA and 8.76% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 18.25% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.03%. Farmers and Merchants Bank of Long Beach operates a 27-branch network.
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 0.03%, a Texas ratio of 0.11%, per financial data filed with the FFIEC.
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
- Offices
- 27 domestic
- 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
- SEC CIK
- 1082822 → filed by PALOMAR ENTERPRISES, LLC
- Website
- www.fmb.com →
- Parent Holding Company
- PALOMAR ENTERPRISES, LLC (RSSD 3649950)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Farmers and Merchants Bank of Long Beach terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Farmers and Merchants Bank of Long Beach, 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Farmers and Merchants Bank of Long Beach: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.25% | 1.21% | 0.03% | 0.11% | 2.78% |
| Q1 2026 | 18.23% | 0.74% | 0.16% | 0.58% | 2.68% |
| Q4 2025 | 18.84% | 0.66% | 0.29% | 1.04% | 2.56% |
| Q3 2025 | 18.40% | 0.63% | 1.37% | 5.73% | 2.46% |
| Q2 2025 | 17.91% | 0.49% | 1.55% | 6.74% | 2.41% |
| Q1 2025 | 17.91% | 0.58% | 1.79% | 7.80% | 2.27% |
| Q4 2024 | 17.52% | 0.13% | 1.35% | 5.96% | 2.13% |
| Q3 2024 | 17.40% | 0.47% | 0.69% | 3.22% | 2.02% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 27 branches →
| 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
What the public regulatory sources show for Farmers and Merchants Bank of Long Beach, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 171 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.
- 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.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers and Merchants Bank of Long Beach headquartered?
Farmers and Merchants Bank of Long Beach is headquartered in Long Beach, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers and Merchants Bank of Long Beach founded?
Farmers and Merchants Bank of Long Beach was established in 1907, per the FDIC institution directory.
Is Farmers and Merchants Bank of Long Beach FDIC-insured?
Yes. Farmers and Merchants Bank of Long Beach 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers and Merchants Bank of Long Beach's CET1 capital ratio?
Farmers and Merchants Bank of Long Beach 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?
Farmers and Merchants Bank of Long Beach 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?
Farmers and Merchants Bank of Long Beach's Texas Ratio is 0.11% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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