Compared with California
12 of 22
compared fees are above the median.
6 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
36th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 22 compared; 6 below, 4 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for Farmers and Merchants Bank of Long Beach at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Farmers and Merchants Bank of Long Beach's published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.2% of revenue, below the 2.9% median of 95 banks with $10B to $50B in assets (36th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $2.1M in Q2 2026, 0.7% below the same quarter a year earlier ($2.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 22 compared published fees sit above the California median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $20, the middle of its prices
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.4% from Q3 2025 to Q2 2026, to $2.1M. Its share of revenue, 2.2%, is below the 2.9% median for banks with $10B to $50B in assets.
$2.1M
Farmers and Merchants Bank of Long BeachMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 95 banks with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $30; we compare the midpoint.
Farmers and Merchants Bank of Long Beach · $11.8B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Farmers and Merchants Bank of Long Beach(this institution) | Long Beach, CA | $11.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Amarillo National Bank | Amarillo, TX | $10.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Amerant Bank, National Association | Coral Gables, FL | $10.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| BancFirst | Oklahoma City, OK | $12.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Beal Bank USA | Las Vegas, NV | $11B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Burke & Herbert Bank & Trust Company | Alexandria, VA | $11B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Byline Bank | Chicago, IL | $9.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capitol Federal Savings Bank | Topeka, KS | $9.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Centier Bank | Whiting, IN | $10.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Columbia Bank | Fair Lawn, NJ | $12.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dollar Bank, Federal Savings Bank | Pittsburgh, PA | $12.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | Southern Pines, NC | $13B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Commonwealth Bank | Indiana, PA | $12.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Bank of Commerce | Laredo, TX | $10.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NBH Bank | Greenwood Village, CO | $12.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oriental Bank | San Juan, PR | $12B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Origin Bank | Choudrant, LA | $10.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Bank | Marietta, OH | $9.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| PlainsCapital Bank | University Park, TX | $12.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Principal Bank | Des Moines, IA | $9.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| RBC Bank, (Georgia) National Association | Atlanta, GA | $9.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| S&T Bank | Indiana, PA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Stock Yards Bank & Trust Company | Louisville, KY | $10.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Park National Bank | Newark, OH | $12.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tri Counties Bank | Chico, CA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Washington Trust Bank | Spokane, WA | $10.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(monthly maintenance)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $20, the middle of its six prices, against a peer median of $8.48 among 18 publishing peers.
Its six checking prices are $5, $10, $15, $25, $30 and $30.
$20 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Farmers and Merchants Bank of Long Beach (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.1M | −$67K | −3.1% |
| Q1 2026 | $2.2M | +$70K | +3.3% |
| Q4 2025 | $2.1M | −$32K | −1.5% |
| Q3 2025 | $2.1M | +$15K | +0.7% |
| Q2 2025 | $2.1M | −$37K | −1.7% |
| Q1 2025 | $2.2M | +$118K | +5.8% |
| Q4 2024 | $2.0M | +$9K | +0.4% |
| Q3 2024 | $2.0M | +$8K | +0.4% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Farmers and Merchants Bank of Long Beach left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Farmers and Merchants Bank of Long Beach by share.
Amounts from Farmers and Merchants Bank of Long Beach’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance fee | $30Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $30Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum Balance fee | $10Not compared: Daily charge, not monthly | per day | None |
| Minimum Balance Fee (audience not stated, treated as personal) | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum Balance Fee (audience not stated, treated as personal) | $35Not compared: Daily charge, not monthly | per day | None |
| Minimum Balance Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheatment Notice | $2Not compared: Annual charge, not monthly | per year | None |
| Escheatment Notice (SC) | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity Per Month | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Per Hour - Bank Account | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $5Not compared: Annual charge, not monthly | per year | None |
| Undeliverable Statement Handling Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Item/s Fee Per Item | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| ATM Service Charge | $3Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| ATM Service Charge (At A Non-F&M Bank ATM) | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit Card Replacement Fee (SC) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Of Lost Or Stolen Card | $8Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Rush Delivery Fee | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Debit Card Rush Delivery Fee (SC) | $25Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Debit Card Foreign Transaction (International) (SC) (audience not stated, treated as personal) | 3%of the transaction | Not stated | None |
| Debit Card Foreign Transaction (International) (SC) | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Manual Wire Transfer (Domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Online Wire Transfer After 2 Wires | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire Transfer (International) | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $5Not compared: Annual charge, not per item | per year | None |
| ACH Stop Payment Per Request | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Bill Pay Stop Payment Draft Per Request | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Bill Pay Stop Payment Draft Per Request (SC) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Online or By Telebanker Per Request | $15Not compared: Annual charge, not per item | per year | None |
| Stop Payment Online Per Request | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Telebanker Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check Request Per Sheet | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Special Statement (Without Check Images) | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination Reversal | $30Not compared: Monthly charge, not per item | per month | None |
| Same Day ACH Origination (Credit or Debit) Per Item | $1Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Standard ACH Origination (After 100 Transactions) | $0.15Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Standard ACH Origination or Received (Credit or Debit) Per Item | $0.20Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Bill Pay Overnight Check | $17.50Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Paid Return Item Per Item | $30Not compared: Per-occurrence charge, not monthly | per item | None |
| Bill Pay Re-Issue Draft Per Draft Item | $30Not compared: Per-occurrence charge, not monthly | per item | None |
| Debit Card Rush Delivery Fee - International: At Cost: Same Day Electronic Bill Payment | $12.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Same Day Electronic Bill Payment | $12.95Not compared: Per-occurrence charge, not monthly | per item | None |
Cash & Deposit | |||
| Chargeback Item Fee | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Debit Card Foreign Transaction (International): Bill Pay Paid Return Item Per Item | $30Above the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Night Depository Annual Fee (SC) | $20Not compared: Annual charge, not per item | per year | None |
| Night Depository Replacement Key (SC) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary Services Per Signature | $15Not compared: Annual charge, not per item | per year | None |
| Notary Services Per Signature (SC) | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Annual Rent – 10 x 10 | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 10 x 15 (SC) | $200Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 15 x 15 (SC) | $300Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 2 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 3 x 10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 3 x 5 (SC) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 4 x 10 | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 4 x 5 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 5 x 10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 5 x 5 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 6 x 10 | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 8 x 10 | $130Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent – 9 x 10 | $140Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rent – 8 x 10 (audience not stated, treated as personal) | $130Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Legal Process | $150Not compared: Annual charge, not per item | per year | None |
| Verification Of Deposit Per Account | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification Of Deposit Per Account | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Overnight Delivery Draft | $17.50Below the U.S. middle 50% ($20 to $40 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Farmers and Merchants Bank of Long Beach operates, and what regulators and customers have on file.
Branch footprint
27 offices in 1 state, $8.8B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 26 | $8.7B | |
| 1 | $102.0M |
Los Angeles-Long Beach-Anaheim, CA
1.3% of bank deposits, #14 of 107, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19.1% |
| Bank of America, National Association | 15.7% |
| Wells Fargo Bank, National Association | 13.3% |
| City National Bank | 8% |
| East West Bank | 6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Los Angeles-Long Beach-Anaheim, CA, Farmers and Merchants Bank of Long Beach holds 1.3% of bank deposits, #14 of 107, with 26 offices.
900 offices of 17 institutions shown.
Showing 900 of 2,362 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 107 institutions shown. $667.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.3% share, 26 offices, #14 of 107
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
475 offices of 117 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
2 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 2 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.