Total Assets
$11.8B
Total balance-sheet footings
FDIC Cert #1225 · Long Beach, California · Est. 1907
Farmers and Merchants Bank of Long Beach - FDIC Bank Health Profile
A community-scale look at Farmers and Merchants Bank of Long Beach's own numbers, pulled straight from its quarterly FDIC Call Report.
- $11.8B
- Total assets
- A
- Health grade · Excellent
- 0.59%
- Return on assets
- 18.8%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers and Merchants Bank of Long Beach earns a PlainBankData health grade of A (82/100), with well-capitalized at 18.84% Tier 1, 0.59% ROA, 68% efficiency ratio.
- #145
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 18.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 19th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Farmers and Merchants Bank of Long Beach's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers and Merchants Bank of Long Beach's composite health score
Tier 1 Capital Ratio (18.84%) 40/40
Return on Assets (ROA) (0.59%) 14/25
Texas Ratio (0.47%) 20/20
Efficiency Ratio (68.39%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$9.0B
Customer-funded liabilities
Net Loans
$6.0B
Outstanding loan book
Net Income
$68M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers and Merchants Bank of Long Beach ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers and Merchants Bank of Long Beach's score of 82/100 falls in the highlighted band.
Farmers and Merchants Bank of Long Beach's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers and Merchants Bank of Long Beach's $11.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.84%
Texas Ratio
0.47%
Equity Capital
$1.6B
Profitability metrics
Return on Assets (ROA)
19th percentile nationally
0.59%
Return on Equity (ROE)
4.78%
Efficiency Ratio
68.39%
What the numbers say about Farmers and Merchants Bank of Long Beach
Farmers and Merchants Bank of Long Beach is an FDIC-insured institution (Certificate #1225) headquartered in Long Beach, California, established in 1907. It holds $11.8B in total assets - 145th of 4,313 FDIC-insured banks, $9.0B in customer deposits, and $6.0B in net loans. Capital-wise, the Tier 1 ratio sits at 18.84%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.47%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Farmers and Merchants Bank of Long Beach sits in the top decile of all FDIC-insured institutions by asset size (145th of 4,313), and within California it ranks 11th of 121 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Tri Counties Bank, at $9.8B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$432M
Interest Income
$14M
Non-Interest Income
$198M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers and Merchants Bank of Long Beach reports a Texas Ratio of 0.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
National size peers: banks closest to Farmers and Merchants Bank of Long Beach by assets
Measured strictly by total assets rather than geography, Farmers and Merchants Bank of Long Beach's closest national peers include Stifel Bank, First Foundation Bank, BancFirst, LendingClub Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within California. Averaged across this asset-matched cohort, return on assets runs 1.05% (Farmers and Merchants Bank of Long Beach is below that at 0.59%), the efficiency ratio averages 57.04% (Farmers and Merchants Bank of Long Beach runs higher at 68.39%), and Tier 1 capital averages 13.92% (Farmers and Merchants Bank of Long Beach holds more at 18.84%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $11.8B in assets, Farmers and Merchants Bank of Long Beach has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Farmers and Merchants Bank of Long Beach (this bank) | CA | $11.8B | 0.59% | 68.39% | 18.84% |
| Stifel Bank | MO | $11.7B | 1.49% | 24.50% | 11.84% |
| First Foundation Bank | CA | $11.9B | -1.10% | 97.13% | 13.97% |
| BancFirst | OK | $12.1B | 1.79% | 51.08% | 17.11% |
| LendingClub Bank, National Association | UT | $11.5B | 1.22% | 62.52% | 15.47% |
| First Commonwealth Bank | PA | $12.3B | 1.33% | 54.10% | 11.69% |
| Oriental Bank | PR | $12.4B | 1.59% | 52.92% | 13.44% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers and Merchants Bank of Long Beach (FDIC Cert #1225) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Farmers and Merchants Bank of Long Beach's health grade?▼
Farmers and Merchants Bank of Long Beach receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Farmers and Merchants Bank of Long Beach?▼
Farmers and Merchants Bank of Long Beach holds $11.8B in total assets and $9.0B in deposits, ranking 145th of 4,313 FDIC-insured banks by asset size. It is headquartered in Long Beach, California.
Is my money safe at Farmers and Merchants Bank of Long Beach?▼
Yes, deposits at Farmers and Merchants Bank of Long Beach (Certificate #1225) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers and Merchants Bank of Long Beach's Tier 1 Capital Ratio?▼
Farmers and Merchants Bank of Long Beach has a Tier 1 Capital Ratio of 18.84%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Farmers and Merchants Bank of Long Beach?▼
Farmers and Merchants Bank of Long Beach has a Texas Ratio of 0.47%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers and Merchants Bank of Long Beach?▼
Farmers and Merchants Bank of Long Beach has an Efficiency Ratio of 68.39%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers and Merchants Bank of Long Beach's profile as a depositor or analyst.
- Farmers and Merchants Bank of Long Beach's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers and Merchants Bank of Long Beach against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.