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Farmers And Merchants Bank
Sylvania, GA · FDIC Certificate #16440 · Chartered 03/0
Total assets
$170.65M
Total deposits
$145.59M
Total equity
$24.44M
Net loans
$58.31M
Branches (offices)
3
Net income (YTD)
$1.76M
Rank: #3,171 of 4,213 U.S. banks by assets · #95 of 123 in Georgia. Assets changed 1.1% and deposits -0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.05% |
| Return on equity | 14.80% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 14.32% |
| Tier 1 leverage ratio | 16.16% |
| Uninsured deposits (share of deposits) | 30.5% |
| Noncurrent loans (share of loans) | 0.21% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 40.1% |
| Real estate loans (share of loans) | 92.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $53.68M | 92.1% | |
| Commercial & industrial | $2.49M | 4.3% | |
| Consumer / individual | $2.48M | 4.2% | |
| Construction & development | $12.41M | 21.3% | |
| Agricultural | $757.00K | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $149.49M | $134.27M | $585.00K | $14.99M |
| Jun 2023 | $153.28M | $136.04M | $1.33M | $16.87M |
| Jun 2024 | $163.04M | $143.02M | $1.60M | $19.37M |
| Jun 2025 | $168.84M | $146.47M | $1.73M | $21.73M |
| Jun 2026 | $170.65M | $145.59M | $1.76M | $24.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $145.59M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $145.59M.
Similar-sized banks
Utah Independent Bank ($170.87M) · American Bank Of Baxter Springs ($170.24M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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