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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 1225 · CA A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1725/4307
  • PHOTO-FINISH Perennial Bank · MN
  • TIER1-WELL 18.8% Tier 1
  • TEXAS-CLEAN 0.5% Texas
  • ROA-THIN 0.59% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Perennial Bank, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Farmers and Merchants Bank of Long Be…

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Clare Bank, National… · WI ·…82/100Countryside Bank · NE · near82/100Eastern Michigan Bank · MI ·…82/100Farmers and Merchant… · CA ·…82/100Perennial Bank · MN · near82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers and Merchants Bank of Long Be… · July 2026

Call Report read for Farmers and Merchants Bank of Long Be… in a high-failure state

Farmers and Merchants Bank of Long Beach (FDIC Cert #1225) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,725 of 4,307. Tier 1 capital prints at 18.84%, clearing the 10% well-capitalized line. The Texas Ratio is 0.47%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.59%. Balance-sheet scale is $11.8B, 145th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Perennial Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Farmers and Merchants Bank of Long Be…

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Farmers and Merchants Bank of Long Beach sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Farmers and Merchants Bank of Long Beach's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

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.

0/100100/100National avg77/10082/100
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 Assets

$11.8B

Total balance-sheet footings

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

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 17.44% 18.84% 20.24%
Basel III capital ratios - Farmers and Merchants Bank of Long Beach

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 40% higher than 60% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers and Merchants Bank of Long Be… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Farmers and Merchants Bank of Long Be…

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

What these ratios mean →

Profitability metrics: Farmers and Merchants Bank of Long Be…

Return on Assets (ROA)
19th percentile nationally
0.59%
Return on Equity (ROE)
4.78%
Efficiency Ratio
68.39%

What these mean →

Income & expense at Farmers and Merchants Bank of Long Be…

$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.

FDIC Failed Bank List → View Farmers and Merchants Bank of Long Beach on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Farmers and Merchants Bank of Long Beach nationally by total assets
  1. 1
    Stifel Bank $11.7B

    Saint Louis, MO · Grade A

  2. 2
    First Foundation Bank $11.9B

    Irvine, CA · Grade C

  3. 3
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  4. 4
    LendingClub Bank $11.5B

    Lehi, UT · Grade A

  5. 5
    First Commonwealth Bank $12.3B

    Indiana, PA · Grade B

  6. 6
    Oriental Bank $12.4B

    San Juan, PR · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($11.8B here), outside California so the neighborhood is not state containment.

Stifel Bank $11.7B · MO BancFirst $12.1B · OK LendingClub Bank $11.5B · UT First Commonwealth Bank $12.3B · PA

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.

Farmers and Merchants Bank of Long Beach Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
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%