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Farmers & Merchants Bank of Long Beach Declares Fourth Quarter Cash Dividend of $28 Per Share; Also Declares Special Christmas Dividend of $15 Per Share

--Declarations Represent 519th and 520th Dividend Payments, Respectively, Paid to Shareholders Since 1916--

Farmers & Merchants Bank of Long Beach (OTCQX: FMBL) today announced that its board of directors has declared a regular quarterly cash dividend of $28 per share 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, 2022 to shareholders of record as of November 30, 2022.

The declarations represent F&M’s 519th and 520th 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. Walker, Farmers & Merchants Bank provides white-glove service to clients at 25 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.

Contacts

John Hinrichs

Executive Vice President

562-437-0011, ext. 5035

Roger Pondel

PondelWilkinson Inc.

Investor Relations

310-279-5980

investor@pondel.com

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