)

Farmers and Merchants Bank of Long Beach (FMBL) investor relations material
Farmers and Merchants Bank of Long Beach Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $2.97 million ($0.84/share), down slightly from $3.01 million ($0.86/share) in Q2 2024; six-month net income rose to $5.4 million ($1.53/share) from $4.2 million ($1.21/share) year-over-year.
Net income for Q2 2025 rose to $13.9M ($112.71/diluted share), up from $13.5M ($107.86/diluted share) year-over-year.
Return on average assets was 0.91% for Q2 2025 and 0.84% for the six months, with return on average equity at 12.81% and 12.08%, respectively.
Management highlights strong capital ratios, stable loan demand, and a conservative loan portfolio.
Deposit base remains solid, with noninterest-bearing deposits increasing as a share of total deposits.
Financial highlights
Net interest income increased by $2.3 million (Q2) and $3.6 million (six months) year-over-year, driven by higher interest income and lower interest expense.
Net interest income before provision for credit losses increased to $66.9M from $57.1M year-over-year.
Net interest margin increased to 3.48% in Q2 2025 (from 2.74% in Q2 2024) and 3.32% for the six months (from 2.72%).
Net interest margin improved to 2.42% from 1.92% year-over-year.
Provision for credit losses rose to $1.2 million in Q2 2025 (from a $457,000 recovery in Q2 2024) and $1.1 million for the six months (up $717,000 year-over-year).
Provision for credit losses was $3.3M, compared to a $1.0M recapture in Q2 2024.
Noninterest income decreased $206,000 in Q2 but increased $305,000 for the six months, with title insurance and card services offsetting lower mortgage banking income.
Total non-interest income fell to $4.5M from $10.6M year-over-year.
Noninterest expenses rose $542,000 in Q2 and $1.6 million for the six months, mainly due to higher salaries, employee benefits, and data processing costs.
Non-interest expense was $49.4M, nearly flat year-over-year.
Outlook and guidance
Management expects continued focus on net interest margin and asset quality, with ongoing monitoring of market and economic conditions.
Liquidity and capital positions are considered strong, with sufficient resources to meet obligations and support growth.
Management expresses confidence in reaching the next growth plateau, citing experienced leadership and prudent lending.
Focus remains on supporting local growth while preserving financial health.
Next Farmers and Merchants Bank of Long Beach earnings date

Next Farmers and Merchants Bank of Long Beach earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage