Side-by-side · Q2 2026 data
Farmers and Merchants Bank of Long Beach vs Citizens Business Bank, National Association
Bank
Farmers and Merchants Bank of Long Beach
Long Beach, California · $10 billion – $100 billion
Bank
Citizens Business Bank, National Association
Ontario, California · $10 billion – $100 billion
Metric by metric
| Measure | Farmers and Merchants Bank of Long Beach | Citizens Business Bank, National Association |
|---|---|---|
| TellerScore | 80 (stronger) | 73 |
| Capital cushion | 90 (stronger) | 64 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 59 | 67 (stronger) |
| Funding & liquidity | 41 | 44 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 96th | 83rd |
| Total assets | $11.8B | $21.2B |
| Deposits / shares | $8.8B | $16.4B |
| Capital ratio | 13.95% (stronger) | 11.41% |
| Problem loans | 0.01% (stronger) | 0.14% |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.97% | 1.18% (stronger) |
| Loans ÷ deposits | 74.8% | 72.4% (stronger) |
| Uninsured deposits | 54.4% | 54.2% (stronger) |
| Offices | 27 | 82 |
| CFPB complaints (3 yrs) | — | 21 |
| Complaints per $1B deposits | — | 1.3 |
| Mortgage denial rate (HMDA) | 25.6% | 8.1% |
Farmers and Merchants Bank of Long Beach has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank of Long Beach leads on 4 and Citizens Business Bank, National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.