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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.Q2 2025 earnings summary22 Jul, 2025
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.
What caused the large drop in interest expense?
Explain the shift to credit loss provision.
What caused the sharp decline in non-interest income?
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Next Farmers and Merchants Bank of Long Beach earnings date
Q3 202522 Oct, 2025
Next Farmers and Merchants Bank of Long Beach earnings date
Q3 202522 Oct, 2025
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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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