Farmers & Merchants Bank is one of a handful of long-standing California financial institutions. Since its early-20th century founding in Long Beach, F&M has maintained a strong community presence and market share. It has more than 20 branches in Orange and southwest Los Angeles counties. The bank places notable emphasis on small business banking and financial needs. Farmers & Merchants Bank has a competitive business loan program and on its website claims "to be one of the strongest banks in the country as measured by a variety of industry standards."