BlastPoint's Banking Scorecard
Farmers and Merchants Bank of Long Beach
Mid-Market
Specialty: Commercial
CA
FDIC cert 1225
Designations: ✓ Community bank
Long Beach, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Farmers and Merchants Bank of Long Beach has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.55% below tier
- + Non-Interest-Bearing Deposit Share 13.94% above tier
- + Nonperforming Asset Ratio 0.43% below tier
- + Tier 1 Capital Ratio 7.84% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 21% in Mid-Market
- - Liquidity Overhang: Bottom 36% in Mid-Market
- - Non-Interest Income / Assets 0.83% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$11.8B
+0.9% YoY
+1.5% QoQ
|
+$1.3B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$6.0B
-6.0% YoY
-2.6% QoQ
|
-$1.1B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$9.0B
+2.1% YoY
+0.9% QoQ
|
+$411.4M |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.59%
+57.9% YoY
+4.5% QoQ
|
-0.57% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.45%
+19.9% YoY
+2.4% QoQ
|
-0.95% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
68.39%
-11.0% YoY
-1.4% QoQ
|
+11.79% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.13%
-63.2% YoY
-86.9% QoQ
|
-0.55% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
66.85%
-7.9% YoY
-3.5% QoQ
|
-18.62% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.58%
+4.3% YoY
+2.0% QoQ
|
+13.94% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-65.7% YoY
-87.4% QoQ
|
-0.43% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
21.39%
+22.1% YoY
+16.2% QoQ
|
+7.84% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.12%
-23.1% YoY
+30.1% QoQ
|
-0.83% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 10%
in Mid-Market
Why this stands out
Current:
0.13%
(Tier avg: 0.68%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Mid-Market
Why this stands out
Current:
34.58%
(Tier avg: 20.64%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 10%
in Mid-Market
Why this stands out
Current:
0.07%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Mid-Market
Why this stands out
Current:
21.39%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (3)
Flatlined Growth
risk
#10 of 44 · Bottom 21% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.59%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Overhang
risk
#10 of 26 · Bottom 36% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
21.39%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
66.85%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
0.12%
(Tier avg: 0.96%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Tier 1 Capital Ratio
Current: 21.39% · Tier avg: 13.55%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 34.58% · Tier avg: 20.64%
90
90th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.68%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
89
89th pctile
Loan-to-Deposit Ratio
Current: 66.85% · Tier avg: 85.47%
71
71th pctile
Total Assets
Current: $11.8B · Tier avg: $10.5B
70
70th pctile
Total Deposits
Current: $9.0B · Tier avg: $8.5B
49
49th pctile
Total Loans
Current: $6.0B · Tier avg: $7.1B
19
19th pctile
Efficiency Ratio
Current: 68.39% · Tier avg: 56.60%
18
18th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.16%
15
15th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.40%
3
3th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.96%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.96%
15
15th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.40%
18
18th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.16%
19
19th pctile
Efficiency Ratio
Current: 68.39% · Tier avg: 56.60%
49
49th pctile
Total Loans
Current: $6.0B · Tier avg: $7.1B
70
70th pctile
Total Deposits
Current: $9.0B · Tier avg: $8.5B
71
71th pctile
Total Assets
Current: $11.8B · Tier avg: $10.5B
89
89th pctile
Loan-to-Deposit Ratio
Current: 66.85% · Tier avg: 85.47%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.68%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 34.58% · Tier avg: 20.64%
96
96th pctile
Tier 1 Capital Ratio
Current: 21.39% · Tier avg: 13.55%