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Farmers & Merchants Bank
Eatonton, GA · FDIC Certificate #9069 · Chartered 11/1
Total assets
$289.61M
Total deposits
$258.56M
Total equity
$28.71M
Net loans
$140.52M
Branches (offices)
2
Net income (YTD)
$824.00K
Rank: #2,525 of 4,213 U.S. banks by assets · #71 of 123 in Georgia. Assets changed -8.4% and deposits -10.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.55% |
| Return on equity | 5.81% |
| Net interest margin (YTD) | 2.86% |
| Equity to assets | 9.91% |
| Tier 1 leverage ratio | 11.20% |
| Uninsured deposits (share of deposits) | 40.2% |
| Noncurrent loans (share of loans) | 0.74% |
| Net charge-offs (share of loans) | -0.12% |
| Loans to deposits | 54.3% |
| Real estate loans (share of loans) | 95.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $133.90M | 95.3% | |
| Commercial & industrial | $2.05M | 1.5% | |
| Consumer / individual | $6.31M | 4.5% | |
| Construction & development | $31.33M | 22.3% | |
| Agricultural | $589.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $231.15M | $211.16M | $861.00K | $19.12M |
| Jun 2023 | $262.21M | $233.94M | $541.00K | $16.71M |
| Jun 2024 | $271.41M | $239.77M | $643.00K | $20.02M |
| Jun 2025 | $316.31M | $289.71M | $984.00K | $24.63M |
| Jun 2026 | $289.61M | $258.56M | $824.00K | $28.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $258.56M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $258.56M.
Similar-sized banks
United Community Bank ($290.04M) · Nantahala Bank & Trust Company ($288.75M)
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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