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Farmers and Merchants Bank of Long Beach
Long Beach, CA·FDIC Cert #1225·Charter: STATE·Est. 19071120.0·HC: PALOMAR ENTERPRISES LLC
Total Assets
$11.8B
Q4 2025
Return on Assets
0.59%
+0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
68.39%
Peer avg: 55.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.59%+0.03
ROE
4.78%+0.08
Efficiency
68.39%-0.99
Equity/Assets
0.00%+0.00
NPL Ratio
0.13%-0.87
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
66.85%-2.40
Charge-offs
0.13%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.4 | 0.5 | 0.4 | 0.6 | 0.5 | 0.6 | 0.6 |
| ROE | 3.8 | 3.9 | 4.0 | 3.3 | 4.9 | 4.5 | 4.7 | 4.8 |
| Efficiency | 75.9 | 78.3 | 77.2 | 76.8 | 69.8 | 69.4 | 69.4 | 68.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.8 | 0.7 | 0.4 | 0.8 | 0.7 | 1.0 | 0.1 |
| Charge-offs | -0.1 | -0.0 | -0.0 | -0.0 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 75.5 | 72.6 | 72.5 | 72.6 | 72.7 | 73.2 | 69.3 | 66.8 |
Balance Sheet
Total Assets$11.8B
Total Deposits$9.0B
Total Loans$6.0B
Total Equity$1.6B
Profitability
ROA0.59%
ROE4.78%
Efficiency Ratio68.39%
Net Income$68.3M
Risk & Asset Quality
NPL Ratio0.13%
Charge-off Rate0.13%
Loan/Deposit66.85%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans