Advertisement
Farmers And Merchants Bank
Lakeland, GA · FDIC Certificate #5716 · Chartered 01/0
Total assets
$861.96M
Total deposits
$784.69M
Total equity
$73.98M
Net loans
$613.13M
Branches (offices)
6
Net income (YTD)
$6.60M
Rank: #1,181 of 4,213 U.S. banks by assets · #15 of 123 in Georgia. Assets changed 13.3% and deposits 12.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 18.63% |
| Net interest margin (YTD) | 4.79% |
| Equity to assets | 8.58% |
| Tier 1 leverage ratio | 9.74% |
| Uninsured deposits (share of deposits) | 25.5% |
| Noncurrent loans (share of loans) | 1.86% |
| Net charge-offs (share of loans) | 0.22% |
| Loans to deposits | 78.1% |
| Real estate loans (share of loans) | 81.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $501.40M | 81.8% | |
| Commercial & industrial | $73.04M | 11.9% | |
| Consumer / individual | $29.09M | 4.7% | |
| Construction & development | $132.94M | 21.7% | |
| Agricultural | $14.17M | 2.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $663.76M | $620.91M | $3.32M | $41.84M |
| Jun 2023 | $653.41M | $602.78M | $4.58M | $47.43M |
| Jun 2024 | $694.64M | $620.50M | $4.76M | $55.49M |
| Jun 2025 | $760.55M | $695.72M | $5.53M | $62.05M |
| Jun 2026 | $861.96M | $784.69M | $6.60M | $73.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $784.69M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $784.69M.
Similar-sized banks
Western Commerce Bank ($863.54M) · The Peoples Bank Co. ($859.24M)
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.
Advertisement