← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Farmers & Merchants Bank Long Be

Long Beach, California · $11.77B in assets · beside the 9 other California banks over $10B

The filing

0.01%
NPA / loans
1st of 10
66.7%
CRE / loans
10th of 10
91.6x
Coverage of noncurrent
1st of 10

Farmers & Merchants Bank Long Be is the smallest of the 10 California banks over $10B, with $11.77B in assets at 30 June 2026. Loans are 75.7% of deposits, 3rd of 10 against a median of 84.3%, and equity is 13.9% of assets, 2nd of 10. Loans grew +2.7% in the year, 8th of 10, and deposits grew 0.9%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.01% of the book, the lowest in the cohort against a median of 0.49%; 0.03% is 30 to 89 days past due, and the allowance covers them 91.6 times. Commercial real estate is 66.7% of loans, the highest in the cohort against a median of 38.5%, and 255% of capital, below the 300% screen, with construction at 24% against the 100% screen.

Return on assets is 0.97%, 6th of 10 against a median of 0.99%, on an efficiency ratio of 60.6%, 6th of 10. Five years ago it was 1.05%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 11.8% of loans).

Commercial real estate, share of loansCA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 38.5% Bo Bank of America Ca N.A. 0.0% CN City National Bank 17.6% AB Axos Bank 21.7% EW East West Bank 31.1% Bo Bank of Hope 38.5% CB Cathay Bank 38.5% Bo Banc of California 41.4% MB Mechanics Bank 51.8% CB Citizens Business Bank N.A. 52.6% FM Farmers & Merchants Bank Long Be 66.7%
Loans, year over yearCA banks over $10B · 30 June 2026 · no better direction, largest first
median +5.2% MB Mechanics Bank +46.9% CB Citizens Business Bank N.A. +43.8% AB Axos Bank +24.6% EW East West Bank +7.3% CN City National Bank +6.3% CB Cathay Bank +4.1% Bo Bank of Hope +4.1% FM Farmers & Merchants Bank Long Be +2.7% Bo Banc of California +1.7% Bo Bank of America Ca N.A. -12.3%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Farmers &RankCohort median
Total CRE against capital, the 300% screen255%5th of 10263%
Construction against capital, the 100% screen24%7th of 1014%
Construction and land development, share of loans6.3%9th of 102.2%
Non-owner-occupied nonfarm nonresidential, share of loans55.0%10th of 1017.0%
Total CRE, the guidance definition, share of loans66.7%10th of 1038.5%
CRE growth over 36 months, the third prong-6.2%2nd of 9+6.4%
Commercial real estate against capital, the 300% screenCA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 263% Bo Bank of America Ca N.A. 0% CN City National Bank 108% AB Axos Bank 188% EW East West Bank 206% FM Farmers & Merchants Bank Long Be 255% Bo Bank of Hope 271% CB Cathay Bank 272% CB Citizens Business Bank N.A. 281% Bo Banc of California 291% MB Mechanics Bank 340%
CRE growth over 36 months, the guidance's third prongCA banks over $10B · 30 June 2026 · lower is stronger, listed first
median +6.4% Bo Bank of Hope -7.0% FM Farmers & Merchants Bank Long Be -6.2% AB Axos Bank -5.1% Bo Banc of California -3.2% CN City National Bank +6.4% EW East West Bank +10.0% CB Cathay Bank +12.6% CB Citizens Business Bank N.A. +41.3% MB Mechanics Bank +46.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
City National Bank$99.10B1.0%65.9%0.92%0.03%1.0%84.8%11.4%
East West Bank$84.32B1.7%36.0%0.38%0.13%1.4%83.9%9.9%
Banc of California$34.90B-0.9%63.7%2.34%1.39%1.0%89.0%10.8%
Axos Bank$28.87B2.1%43.1%0.44%0.09%1.1%100.5%9.7%
Cathay Bank$24.64B1.5%40.3%0.54%0.04%1.1%97.6%12.6%
Mechanics Bank$21.25B1.0%62.3%0.41%0.11%1.1%75.1%13.3%
Citizens Business Bank N.A.$21.18B1.0%52.9%0.14%0.00%1.1%73.2%14.7%
Bank of Hope$18.99B0.7%64.2%0.88%0.26%1.0%94.4%12.4%
Bank of America Ca N.A.$14.81B0.7%43.0%0.66%-0.02%0.1%76.7%13.1%
Farmers & Merchants Bank Long Be$11.77B1.0%60.6%0.01%-0.03%1.3%75.7%13.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Farmers &Cohort median
20212026Change20212026Change
Loans$5.45B$6.64B+22%$12.51B$17.82B+42%
Deposits$8.37B$8.76B+5%$16.27B$19.61B+21%
NPA / loans0.24%0.01%-0.23 pts0.45%0.49%+0.05 pts
Efficiency53.0%60.6%+7.5 pts45.9%56.8%+10.9 pts
ROA1.05%0.97%-0.08 pts1.35%0.99%-0.36 pts

This read was prepared for Farmers & Merchants Bank Long Be's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Farmers & Merchants Bank Long Be is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks over $10B
Institution www.fmb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue