Farmers & Merchants Bank (CA)

Farmers & Merchants Bank (CA)

Overview / Commentary
302 Pine Avenue
Long Beach, CA 90802

Farmers & Merchants Bank (CA) is headquartered in LONG BEACH and is the 12th largest bank in the state of California. It is also the 140th largest bank in the nation. It was established in 1907 and as of March of 2024, it had grown to 768 employees at 27 locations. Farmers & Merchants Bank (CA)'s CD rates are 40% higher than the national average, and it has a B+ health rating.

Reviews (4)

Farmers and Merchants bank-Linden Ca.

This is a small local bank that I was banking with many years ago! I cannot put a rating for online or mobile banking because they did not have it back then! I loved this bank. Being a small bank they knew who I was and was so friendly. It was about a mile from my home. Once I had them call me and tell me that they had refused to cash a check from me that a couple of guys had brought to them and the guys left angry. They were right! These persons were not supposed to cash this check until some work had been done. The work never got done so the bank saved me 300.00. Great bank with much more personal service! Later I went to Wells Fargo when I moved and never had the same experience as I had with the smaller local bank!

I Love This Bank!

Posted by: |

I feel like royalty at Farmers & Merchants Bank. When I first opened my account Dannella called several times to make sure I was able to access online banking, etc. She also followed up when I did have a problem. She still will personally call me just to make sure I am happy and if I had any cares or concerns. Unbelievable, service of this standard is unheard of these days. I have been to several branches with the same, almost over helpful, results. I will never change banks. Thank you F&M Bank, you' the best!

Great Customer Service

Posted by: |

I was quite happy with my experience at this bank. After a long day at work, I needed to go and make some transactions within my accounts. After rushing over to the bank, I got inside before it closed. Typically, at the end of a day, customer service workers and tellers are a bit impatient. However, my teller was quite helpful and attentive with my banking needs. He quickly assessed what I needed, and was able to provide me with advice for my transactions. I felt very welcomed, even though it was the end of the day, and I appreciated the great service. After working through my transactions, the teller thanked me for my time and asked if I needed anything else. I did not need anything else and was walked to the front door by my teller. This was a great act of customer service, and I greatly appreciate my time at the bank.

Farmers and Merchants Bank

Posted by: |

Farmers and Merchants bank is a bank that provides outstanding customer service. They have been doing business all across California for more than 100 years. They have 23 branches across Southern California to help you with all your banking needs. They offer very competitive CD's, with a yield of 1.46. They offer both individual as well as business accounts. I have a checking account with them fir the last 10 years. Every time I go in to the bank the staff is incredibly nice and helpful. It is nice to know that they give you the convenience of online services and yet if you need to go to the bank the staff is always helpful. It reminds me of how the banks used to be. They are very focused on the customer.


Health Grade Components

FDIC Certificate #1225
Year Established1907
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD3.84%
Annual Interest Income$108.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$12.19B$12.02B
LoansQ1 2024vs Q1 2023$6.49B$6.72B
DepositsQ1 2024vs Q1 2023$8.6B$8.97B
Equity CapitalQ1 2024vs Q1 2023$1.36B$1.31B
Loan Loss AllowanceQ1 2024vs Q1 2023$97.5MM$99MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$49.6MM$9.4MM
Real Estate OwnedQ1 2024vs Q1 2023$2.9MM$0
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Always verify rates and promotions with the bank or credit union. We are not Farmers & Merchants Bank (CA); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers & Merchants Bank (CA) Savings Account Rates

0.10%$0-Health Savings Account
0.10%$0-Christmas Club
0.05%*$10k*-Market Rate Savings
OTHER TIERS: 0.03% $0 - $10k
0.05%$0-Youth Savings
0.05%$0-Business Market Rate Savings

Farmers & Merchants Bank (CA) Money Market Rates

0.05%*$10k*-Market Rate Money Market
OTHER TIERS: 0.03% $0 - $10k
0.05%$0-Business Market Rate Money Market

Farmers & Merchants Bank (CA) Checking Account Rates

0.10%*$10k*-Platinum Checking
OTHER TIERS: 0.05% $0 - $10k
0.05%$0-Business Interest on Checking
0.05%$0-Gold Checking
0.05%$100-Military Checking

Farmers & Merchants Bank (CA) CD Rates

1.26%*$500k*-12 Month Market Rate CD
OTHER TIERS: 0.05% $0 - $10k | 0.35% $10k - $50k | 0.75% $50k - $100k | 1.00% $100k - $500k
1.26%*$500k*-24-35 Month Market Rate CD
OTHER TIERS: 0.10% $0 - $10k | 0.35% $10k - $50k | 0.75% $50k - $100k | 1.00% $100k - $500k
1.26%*$500k*-13 -17 Month Market Rate CD
OTHER TIERS: 0.05% $0 - $10k | 0.35% $10k - $50k | 0.75% $50k - $100k | 1.00% $100k - $500k
1.26%*$500k*-18 - 23 Month Market Rate CD
OTHER TIERS: 0.05% $0 - $10k | 0.35% $10k - $50k | 0.75% $50k - $100k | 1.00% $100k - $500k
0.75%*$50k*-36-47 Month Market Rate CD
OTHER TIERS: 0.10% $0 - $10k | 0.20% $10k - $50k
0.75%*$50k*-48 Month Market Rate CD
OTHER TIERS: 0.15% $0 - $10k | 0.20% $10k - $50k
0.75%*$50k*-60 Month Market Rate CD
OTHER TIERS: 0.15% $0 - $10k | 0.25% $10k - $50k
0.50%*$100k*-91 Day Market Rate CD
OTHER TIERS: 0.03% $0 - $10k | 0.10% $10k - $100k
0.50%*$500k*-182 Day Market Rate CD
OTHER TIERS: 0.03% $0 - $10k | 0.35% $10k - $50k | 0.45% $50k - $500k
0.10%*$10k*-7-31 Day Market Rate CD
OTHER TIERS: 0.03% $0 - $10k

Farmers & Merchants Bank (CA) IRA Rates

0.60%*$500k*-60 Month Market Rate IRA
OTHER TIERS: 0.15% $0 - $10k | 0.25% $10k - $100k | 0.50% $100k - $500k
0.55%*$500k*-48 Month Market Rate IRA
OTHER TIERS: 0.15% $0 - $10k | 0.20% $10k - $100k | 0.45% $100k - $500k
0.50%*$500k*-24 Month Market Rate IRA
OTHER TIERS: 0.10% $0 - $10k | 0.15% $10k - $100k | 0.40% $100k - $500k
0.50%*$500k*-36 Month Market Rate IRA
OTHER TIERS: 0.10% $0 - $10k | 0.15% $10k - $100k | 0.40% $100k - $500k
0.45%*$500k*-12 Month Market Rate IRA
OTHER TIERS: 0.05% $0 - $10k | 0.10% $10k - $100k | 0.35% $100k - $500k
0.45%*$500k*-18 Month Market Rate IRA
OTHER TIERS: 0.05% $0 - $10k | 0.10% $10k - $100k | 0.35% $100k - $500k
0.40%*$500k*-6 Month Market Rate IRA
OTHER TIERS: 0.03% $0 - $10k | 0.10% $10k - $100k | 0.30% $100k - $500k


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