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Farmers and Merchants Bank of Long Beach is an FDIC insured institution headquartered at
302 Pine Ave, Long Beach, CA 90802.
It was founded in
1907 and has approximately $12 billion in assets. Customers can open an account at one of its 24 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.05% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.15% | $10,000 | Compare |
|
6 Mo CD
|
0.25% | $100,000 | Compare |
|
12 Mo CD
|
0.30% | $10,000 | Compare |
|
12 Mo CD
|
0.30% | $100,000 | Compare |
|
18 Mo CD
|
0.30% | $10,000 | Compare |
|
18 Mo CD
|
0.30% | $100,000 | Compare |
|
24 Mo CD
|
0.30% | $10,000 | Compare |
|
24 Mo CD
|
0.35% | $100,000 | Compare |
|
30 Mo CD
|
0.30% | $10,000 | Compare |
|
30 Mo CD
|
0.35% | $100,000 | Compare |
|
36 Mo CD
|
0.35% | $10,000 | Compare |
|
36 Mo CD
|
0.35% | $100,000 | Compare |
|
48 Mo CD
|
0.40% | $10,000 | Compare |
|
48 Mo CD
|
0.40% | $100,000 | Compare |
|
60 Mo CD
|
0.55% | $10,000 | Compare |
|
60 Mo CD
|
0.55% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.05% | $2,500 | Compare |
|
Money Market
|
0.10% | $10,000 | Compare |
|
Money Market
|
0.10% | $25,000 | Compare |
| FIXED IRA RATES | APY | MIN |
|---|---|---|
|
Fixed IRA
|
0.35% | $1 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.05% | $2,500 |
| #1 Non-bank HELOC in the US, A+ BBB Rating | $0 |
|
Intro APR: 6.750 %
After Intro:6.750 % |
$25,000 |
|
Intro APR: 6.823 %
After Intro:6.823 % |
$25,000 |
|
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
|
Intro APR: 7.375 %
After Intro:7.375 % Intro Period: 7 months |
$25,000 |
District Lending NMLS ID: 598623 / Updated 2026-07-15 |
Work with a human | $0 |
Spring EQ NMLS ID: 1464945 / Updated 2026-07-15 |
The leader for homeowners tapping cash from their homes since 2016. | $0 |
| Cash in with a HELOC | $0 |
AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-07-15 |
Use Home Equity to get cash you need | $0 |
| HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online. | $0 |
CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-07-15 |
Unlock Your Home's Potential | $0 |
Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-07-15 |
Get cash now in exchange for a percentage of your homes future equity. | $0 |
| 6.188% |
$1,919
Fees & Points
$6,499 Total
0.625 Pts ($2,000) $4,499 Fees |
Saxton Mortgage NMLS ID: 1717191 |
6.243% |
$1,945
Fees & Points
$4,146 Total
0.891 Pts ($2,851) $1,295 Fees |
Basis Lending, LLC NMLS ID: 2463124 |
6.317% |
$1,945
Fees & Points
$6,714 Total
1.000 Pts ($3,200) $3,515 Fees |
Farmers Bank of Kansas City NMLS ID: 613839 |
6.322% |
$1,971
Fees & Points
$2,446 Total
0.516 Pts ($1,651) $795 Fees |
Copperstate Home Loans NMLS ID: 1982090 |
6.333% |
$1,971
Fees & Points
$2,959 Total
0.500 Pts ($1,600) $1,359 Fees |
| 6.351% |
$1,971
Fees & Points
$3,514 Total
0.770 Pts ($2,464) $1,050 Fees |
Optimum First Mortgage NMLS ID: 240415 |
6.362% |
$1,971
Fees & Points
$3,790 Total
0.561 Pts ($1,795) $1,995 Fees |
Barrett Financial NMLS ID: 181106 |
6.380% |
$1,971
Fees & Points
$4,395 Total
0.500 Pts ($1,600) $2,795 Fees |
| 6.460% |
$1,997
Fees & Points
$3,114 Total
0.587 Pts ($1,878) $1,236 Fees |
| 6.468% |
$1,997
Fees & Points
$3,142 Total
0.982 Pts ($3,142) $0 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
6.469% |
$1,997
Fees & Points
$3,165 Total
0.989 Pts ($3,165) $0 Fees |
Northpointe Bank NMLS ID: 447490 |
6.481% |
$1,997
Fees & Points
$3,561 Total
0.677 Pts ($2,166) $1,395 Fees |
Loansteady NMLS ID: 1701910 |
6.491% |
$1,997
Fees & Points
$3,895 Total
0.750 Pts ($2,400) $1,495 Fees |
Mutual of Omaha Mortgage NMLS ID: 1025894 |
6.495% |
$1,971
Fees & Points
$8,320 Total
0.475 Pts ($1,520) $6,800 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.608% |
$2,023
Fees & Points
$3,595 Total
0.500 Pts ($1,600) $1,995 Fees |
Allied Mortgage Group, Inc. NMLS ID: 1067 |
6.703% |
$2,049
Fees & Points
$2,570 Total
0.803 Pts ($2,570) $0 Fees |
|
Fees & Points
Total
Pts ($0) $0 Fees |
Allied Mortgage Group, Inc. NMLS ID: 1067 |
Fees & Points
Total
Pts ($0) $0 Fees |
Veterans United Home Loans NMLS ID: 1907 |
Fees & Points
Total
Pts ($0) $0 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
Fees & Points
Total
Pts ($0) $0 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 1225 |
| Date Established | 1907 |
| Assets | $ 11.80 billion |
| Loans | $ 5.98 billion |
| Deposits | $ 8.95 billion |
| Capital | $ 1,606.29 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 1,409.57 million |
| Interest-bearing balances | $ 1,344.50 million |
| Total securities | $ 4.11 billion |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 5.98 billion |
| Loan loss allowance | $ 84.02 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 181.31 million |
| Total Assets | $ 10.19 billion |
| LIABILITIES | |
| Total deposits | $ 8.95 billion |
| Interest-bearing deposits | $ 5.86 billion |
| Deposits held in domestic offices | $ 8.95 billion |
| % insured (estimated)" | 44.87% |
| Federal funds purchased and repurchase agreements | $ 883.23 million |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 88.52 millionn |
| Total Liabilities | $ 10.19 billion |
| Shareholders’ Equity | $ 1,606.29 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 431.81 million |
| Total Interest Expense | $ 157.11 million |
| Net interest income | $ 274.71 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 14.50 million |
| Total non interest expense | $ 197.79 million |
| Pre-tax Net Operating Income | $ 70.93 million |
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