Farmers and Merchants Bank of Long Beach: how it compares with its peers
Against 13 CA banks with half to twice its assets, Farmers and Merchants Bank of Long Beach's strongest measure in Q2 2026 is assets per employee ($14.3M vs. a $13.2M peer median). Its weakest relative measure is efficiency ratio (60.58% vs. 43.18%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.97% | 1.18% | Bottom third Ahead of 31% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.76% | 3.29% | Middle third Ahead of 38% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.58% | 43.18% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.3M | $13.2M | Middle third Ahead of 55% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.76% | 83.74% | Context |
What it means for lending operations
Its efficiency ratio of 60.58% is above the 43.18% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Tri Counties Bank Chico, CA · $9.93B
- First American Trust, FSB Santa Ana, CA · $9.23B
- Bank of America California, National Association San Francisco, CA · $14.81B
- Poppy Bank Santa Rosa, CA · $8.32B
- Hanmi Bank Los Angeles, CA · $7.95B
- Preferred Bank Los Angeles, CA · $7.73B
Questions about Farmers and Merchants Bank of Long Beach
How big is Farmers and Merchants Bank of Long Beach?
Farmers and Merchants Bank of Long Beach, established in 1907, is headquartered in Long Beach, CA. It reported $11.77B in total assets in its Q2 2026 FDIC call report and operates 27 offices.
What is Farmers and Merchants Bank of Long Beach's return on assets?
0.97% annualized in Q2 2026, against a 1.18% median for 13 CA banks with half to twice its assets, ahead of 31% of them.
What is Farmers and Merchants Bank of Long Beach's efficiency ratio?
60.58% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 43.18%, and lower is better.
Is Farmers and Merchants Bank of Long Beach growing its loans?
Net loans grew 3.0% over the year to Q2 2026, while deposits grew 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.