Side-by-side · Q2 2026 data
Farmers and Merchants Bank of Long Beach vs Montecito Bank & Trust
Bank
Farmers and Merchants Bank of Long Beach
Long Beach, California · $10 billion – $100 billion
Metric by metric
| Measure | Farmers and Merchants Bank of Long Beach | Montecito Bank & Trust |
|---|---|---|
| TellerScore | 80 (stronger) | 69 |
| Capital cushion | 90 (stronger) | 63 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 59 (stronger) | 44 |
| Funding & liquidity | 41 | 54 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 96th | 53rd |
| Total assets | $11.8B | $2.0B |
| Deposits / shares | $8.8B | $1.7B |
| Capital ratio | 13.95% (stronger) | 11.29% |
| Problem loans | 0.01% (stronger) | 0.17% |
| Net charge-offs | -0.03% (stronger) | 0.02% |
| Return on assets | 0.97% (stronger) | 0.60% |
| Loans ÷ deposits | 74.8% (stronger) | 79.4% |
| Uninsured deposits | 54.4% | 38.6% (stronger) |
| Offices | 27 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.6% | 26.7% |
Farmers and Merchants Bank of Long Beach has the higher TellerScore (80 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank of Long Beach leads on 6 and Montecito Bank & Trust on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.