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Farmers and Merchants Bank of Long Beach (FMBL) investor relations material
Farmers and Merchants Bank of Long Beach Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary26 Nov, 2025
Executive summary
Third quarter 2025 results show improved net interest margin and net income, reflecting strong fundamentals and a stable deposit base.
A $200 million equity investment was closed post-quarter by a large financial services company, enhancing the balance sheet.
A new $10 million stock repurchase program was authorized, following the expiration of the previous plan.
Financial highlights
Net income for Q3 2025 rose to $18.1 million ($147.32/diluted share) from $14.3 million ($115.17/diluted share) in Q3 2024.
Net interest income before provision for credit losses increased to $69.3 million in Q3 2025 from $60.4 million in Q3 2024.
Net interest margin improved to 2.47% in Q3 2025 from 2.02% in Q3 2024.
Total assets were $11.62 billion as of September 30, 2025, compared to $11.69 billion at December 31, 2024.
Total deposits grew to $8.87 billion at September 30, 2025, up from $8.77 billion at year-end 2024.
Outlook and guidance
Management remains optimistic about long-term growth opportunities, citing a strong balance sheet and prudent growth strategy.
The operating environment for regional banks is stabilizing as inflation eases and rate cut expectations become clearer.
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Next Farmers and Merchants Bank of Long Beach earnings date
Q4 202530 Jan, 2026
Next Farmers and Merchants Bank of Long Beach earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Farmers & Merchants Bank of Long Beach is a U.S.-based community bank offering a variety of financial services for individuals, businesses, and organizations. Its services include personal and business banking products such as checking and savings accounts, loans, credit services, and trust and wealth management. The bank is headquartered in Long Beach, California, and its shares are listed on the OTC market.
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