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 4, 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 4, 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.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
| 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 |
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 4, 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