Headquartered in Long Beach, California, Farmers and Merchants Bank of Long Beach is a state-chartered bank (fed member) with $11.8B in total assets and $8.8B in deposits as of Q2 2026. It operates 27 offices. Its charter dates back to 1907.
Based on its Q2 2026 filing, Farmers and Merchants Bank of Long Beach scores 80/100, which we describe as strong. That is higher than 96% of 132 banks with $10 billion – $100 billion. Among 116 banks headquartered in California, it ranks 18th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is funding & liquidity (41/100; 75% loans-to-deposits, 54% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 15 points (65 → 80), mostly because the loan quality component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 62 |
| Q4 2024 | 65 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 63 |
| Q4 2025 | 76 |
| Q1 2026 | 76 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.21% |
| Q3 2024 | 11.20% |
| Q4 2024 | 11.42% |
| Q1 2025 | 11.89% |
| Q2 2025 | 12.18% |
| Q3 2025 | 12.15% |
| Q4 2025 | 13.49% |
| Q1 2026 | 13.61% |
| Q2 2026 | 13.95% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.80% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.99% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.14% |
| Q2 2026 | 0.01% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.37% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.74% |
| Q2 2026 | 0.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $11.8B | 13.95% | 0.01% | 0.97% | 74.8% |
| Q1 2026 | 76 | $11.9B | 13.61% | 0.14% | 0.74% | 69.9% |
| Q4 2025 | 76 | $11.8B | 13.49% | 0.13% | 0.59% | 66.8% |
| Q3 2025 | 63 | $11.6B | 12.15% | 0.99% | 0.56% | 69.3% |
| Q2 2025 | 65 | $11.4B | 12.18% | 0.72% | 0.53% | 73.2% |
| Q1 2025 | 64 | $11.5B | 11.89% | 0.80% | 0.58% | 72.7% |
| Q4 2024 | 65 | $11.7B | 11.42% | 0.35% | 0.37% | 72.6% |
| Q3 2024 | 62 | $12.0B | 11.20% | 0.69% | 0.45% | 72.5% |
| Q2 2024 | 60 | $12.2B | 11.21% | 0.83% | 0.44% | 72.6% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of America California, National AssociationBank San Francisco, CA | 74 out of 100, Strong | $14.8B | 12.4% | 0.66% | vs |
| Bank of HopeBank Los Angeles, CA | 60 out of 100, Moderate | $19.0B | 10.8% | 0.88% | vs |
| Citizens Business Bank, National AssociationBank Ontario, CA | 73 out of 100, Strong | $21.2B | 11.4% | 0.14% | vs |
| Mechanics BankBank Walnut Creek, CA | 65 out of 100, Moderate | $21.2B | 9.4% | 0.41% | vs |
| Cathay BankBank Los Angeles, CA | 69 out of 100, Moderate | $24.6B | 11.5% | 0.54% | vs |
| Axos BankBank San Diego, CA | 71 out of 100, Strong | $28.9B | 9.2% | 0.44% | vs |
Deposit insurance
Is my money safe at Farmers and Merchants Bank of Long Beach?
Yes. Farmers and Merchants Bank of Long Beach is an FDIC-insured institution (FDIC certificate #1225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 54.4% of deposits ($4.8B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.86% (benchmark: 10%).
27 locations
Branches
Farmers and Merchants Bank of Long Beach lists 27 offices in 21 cities. Most locations:
- Long Beach, CA (6)
- Santa Ana, CA (2)
- Corona Del Mar, CA (1)
- Downey, CA (1)
- El Toro, CA (1)
- Fullerton, CA (1)
- Garden Grove, CA (1)
- Huntington Beach, CA (1)
- Laguna Beach, CA (1)
- Laguna Hills, CA (1)
- Lakewood, CA (1)
- Newport Beach, CA (1)
HMDA 2025
Mortgage lending
In 2025, Farmers and Merchants Bank of Long Beach reported 95 home-loan applications under HMDA (LEI 25490049RRVB8S6CG210): 57 originated ($58,375,000 total), 20 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Farmers and Merchants Bank of Long Beach
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1225
- RSSD ID
- 871769
- Primary regulator
- FED
- Holding company
- Palomar Enterprises Llc
- Established
- November 20, 1907
- Headquarters
- 302 Pine Ave, Long Beach, CA 90802
- Website
- www.fmb.com
- Employees
- 824
Quick answers
Farmers and Merchants Bank of Long Beach: common questions
Is Farmers and Merchants Bank of Long Beach FDIC insured?
Yes. Farmers and Merchants Bank of Long Beach is an FDIC-insured institution (FDIC certificate #1225). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers and Merchants Bank of Long Beach's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Farmers and Merchants Bank of Long Beach ever failed?
There is no failure record for FDIC certificate #1225 in the FDIC failed bank list.
How many branches does Farmers and Merchants Bank of Long Beach have?
27 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Long Beach
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |
| American Plus Bank, N.A.Bank Arcadia, CA | 88 out of 100, Very strong | $935.0M | 16.5% | 0.04% | vs |