Bank · FDIC insured
Farmers & Merchants Bank
A $11.8B bank, the 146th largest of 4,207, headquartered in Long Beach, CA, with 27 branches in California. Best rates: CDs 2.78% and savings 0.05% APY.
Farmers & Merchants Bank Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#128 of 128 in Los Angeles, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers & Merchants Bank
- Headquarters
- 302 Pine Ave, Long Beach, CA 90802
- FDIC certificate
- 1225 ↗
Branches
27 branches in California
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California
27 branches
Los Angeles area · 26
- Farmers and Merchants Bank of Long BeachMain office302 Pine Ave, Long Beach, CA 90802Directions
- Corona Del Mar Branch2421 E Coast Hwy, Corona Del Mar, CA 92625Directions
- Downey Branch9001 Firestone Blvd, Downey, CA 90241Directions
- Lake Forest Branch23772 Rockfield Blvd, El Toro, CA 92630Directions
- West Fullerton Branch315 N Harbor Blvd, Fullerton, CA 92832Directions
- Garden Grove Branch12966 Euclid St, Garden Grove, CA 92840Directions
- Huntington Beach Branch7125 Yorktown Ave, Huntington Beach, CA 92648Directions
- Laguna Beach Branch401 Glenneyre Street, Laguna Beach, CA 92651Directions
- Laguna Hills Branch24300 Paseo De Valencia, Laguna Hills, CA 92653Directions
- Lakewood Branch4909 Lakewood Blvd, Lakewood, CA 90712Directions
- Belmont Shore Branch4827 E 2nd St, Long Beach, CA 90803Directions
- Bixby Knolls Center Branch4545 California Ave, Long Beach, CA 90807Directions
- East Long Beach Branch3140 E Anaheim St, Long Beach, CA 90804Directions
- Los Altos Branch2302 N Bellflower Blvd, Long Beach, CA 90815Directions
- Memorial Hospital Branch2801 Atlantic Ave, Long Beach, CA 90806Directions
- Newport Beach Branch4695 Macarthur Ct, Newport Beach, CA 92660Directions
- Orange Branch1220 E Katella Ave, Orange, CA 92867Directions
- Redondo Beach Branch1333 S Pacific Coast Hwy, Redondo Beach, CA 90277Directions
- Rolling Hills Branch27525 Indian Peak Rd, Rolling Hills, CA 90274Directions
- San Clemente Branch501 N El Camino Real, San Clemente, CA 92672Directions
- San Juan Capistrano Branch31873 Del Obispo St, San Juan Capistrano, CA 92675Directions
- Santa Ana - Main Branch1702 N Main St, Santa Ana, CA 92706Directions
- Santa Ana Branch1750 E 17th St, Santa Ana, CA 92705Directions
- Town & Country Branch12535 Seal Beach Blvd, Seal Beach, CA 90740Directions
- Torrance Branch22400 Hawthorne Blvd, Torrance, CA 90505Directions
- Tustin Branch2691 Park Ave, Tustin, CA 92782Directions
Santa Maria area · 1
- Santa Barbara Branch33 E Carrillo St, Santa Barbara, CA 93101Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.95% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.01% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 0.97% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $76 | $85 | — |
- CapitalLeverage ratio13.95%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.01%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets0.97%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$76Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers & Merchants Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.