-- Declarations Represent 534th and 535th Dividend Payments, Respectively, Paid to Shareholders Since 1916--

We always want to keep our shareholders updated about what’s happening at Farmers & Merchants Bank of Long Beach. To do this, we need to be able to contact you directly. If your F&M shares are held through your brokerage, your account may be designated as an “Objecting Beneficial Owner,” (or “OBO”). Please ask your broker to designate you as a “Non-Objecting Beneficial Owner,” (or “NOBO”). This way, you’ll receive our updates directly from F&M in a timely manner. If you have questions, call us at 562-499-4829 or email Kevin.Tiber@FMB.com.

Farmers & Merchants Bank of Long Beach (OTCQX: FMBL) today announced that its board of directors has approved the Bank’s regular quarterly cash dividend of $28 per share on the Bank’s common stock and a special Christmas dividend of $15 per share on the Bank’s common stock.

Both the quarterly and special dividend are payable on December 15, 2025 to shareholders of record as of November 28, 2025.

The declarations represent F&M’s 534th and 535th dividend payments, respectively, including special dividends. F&M has paid dividends each year to shareholders since 1916, and the value of F&M’s quarterly dividend has never decreased.

About Farmers & Merchants Bank of Long Beach

Founded in Long Beach in 1907 by C.J. and Carrie D. Walker, Farmers & Merchants Bank provides white-glove service to clients at 27 branches from San Clemente to Santa Barbara, as well as through its Online and Mobile Banking platforms. The Bank offers commercial and small business banking, business loan programs, home loans, and a robust offering of consumer retail banking products, including checking, savings and youth accounts. Farmers & Merchants Bank is a California state-chartered bank with deposits insured by the Federal Deposit Insurance Corporation (Member FDIC) and an Equal Housing Lender. For more information about F&M, please visit the website, www.fmb.com.

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