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Farmers & Merchants Bank of Long Beach provides commercial banking services. The bank attracts deposits and offers a range of real estate mortgage, consumer and commercial loans and other services. It specializes in commercial and small business banking, along with business loan programs of up to $35 million. Farmers & Merchants maintains a capital ratio four times higher than the limit set by regulators and has more than enough funds to pay every depositor in full. Established in 1907, Farmers and Merchants Bank of Long Beach has headquarters in Long Beach, Calif., and more than 20 branches that serve communities throughout Los Angeles and Orange counties.