Farmers and Merchants Bank of Long Beach
Long Beach, CA · Cert 1225 · Peer group: banks over $10B in assets (n=142-144) · Palomar Enterprises LLC
State charter, Fed member · FED · 27 branches
Q2 2026
$11.8BAssets
$6.6BLoans
$8.8BDeposits
$1.6BEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 99% of banks over $10B in assets (rank 2 of 142).
- Widest gap: return on equity trails 87% of banks over $10B in assets (rank 126 of 144).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.98%
Rank 112 of 144
Net Interest Margin
2.68%
Rank 120 of 144
Efficiency Ratio
60.58%
Rank 101 of 144
Equity / Assets
13.90%
Rank 21 of 144
Non-interest income vs. expense
Unfavorable gap of $177.3M · efficiency ratio beats 31% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.98% | 1.00% | 1.26% | 1.54% | Beats 22% | 112 / 144 | |
| Return on Equity | 7.02% | 8.98% | 11.34% | 14.40% | Beats 13% | 126 / 144 | |
| Net Interest Margin | 2.68% | 2.82% | 3.31% | 3.68% | Beats 17% | 120 / 144 | |
| Efficiency Ratio | 60.58% | 49.42% | 56.02% | 62.41% | Beats 31% | 101 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.48% | 0.73% | 1.07% | Beats 99% | 2 / 142 | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.11% | 0.22% | Beats 96% | 7 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 20.65% | 12.07% | 12.98% | 14.92% | Beats 92% | 11 / 144 | |
| Total Risk-Based Capital Ratio | 21.86% | 13.39% | 14.14% | 16.25% | Beats 92% | 11 / 144 | |
| Equity / Assets | 13.90% | 9.69% | 11.39% | 12.96% | Beats 85% | 21 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 75.72% | 75.72% | 84.92% | 91.56% | 24th pctl | 108 / 143 | |
| Loans / Assets | 56.37% | 59.83% | 69.07% | 74.80% | 17th pctl | 119 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |