FARMERS BANK, THE

GREENSBORO, GA | Small | Est. Sept. 6, 1911, midnight | FDIC #5709 | RSSD #11837 | FDIC
Latest Report: 2025-12-31

FARMERS BANK, THE is asn small FDIC-insured commercial bank headquartered in GREENSBORO, GA, established in Sept. 6, 1911, midnight. As of 2025-12-31, the bank reported total assets of $184M and total deposits of $169M. Profitability stands at 0.93% ROA and 11.10% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 17.32%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.74% and a Texas Ratio of 4.44%. FDIC Certificate #5709.

Assets

$184M

Deposits

$169M

Loans

$95M

Equity

$14M

Profitability

Return on Assets (ROA) 0.93%
Return on Equity (ROE) 11.10%
Net Interest Margin (NIM) 3.54%
Yield on Assets 5.93%
Cost of Funds 2.40%

Asset Quality

NPL Ratio 0.74%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.44%
NPA Ratio 0.38%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 17.32%
Tier 1 Capital 17.32%
Total Capital Ratio 18.57%
Leverage Ratio 10.66%
Loan-to-Deposit 56.15%

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