FARMERS AND MERCHANTS BANK

SYLVANIA, GA | Small | Est. March 1, 1946, midnight | FDIC #16440 | RSSD #4231 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK is asn small FDIC-insured commercial bank headquartered in SYLVANIA, GA, established in March 1, 1946, midnight. As of 2025-12-31, the bank reported total assets of $173M and total deposits of $149M. Profitability stands at 1.90% ROA and 13.84% ROE, with a net interest margin of 4.46%. The bank's CET1 capital ratio is 13.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 0.68%. FDIC Certificate #16440.

Assets

$173M

Deposits

$149M

Loans

$66M

Equity

$23M

Profitability

Return on Assets (ROA) 1.90%
Return on Equity (ROE) 13.84%
Net Interest Margin (NIM) 4.46%
Yield on Assets 5.40%
Cost of Funds 1.01%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.68%
NPA Ratio 0.10%
ACL / Loans 1.65%

Capital & Liquidity

CET1 Ratio 13.48%
Tier 1 Capital 13.48%
Total Capital Ratio 14.15%
Leverage Ratio 15.68%
Loan-to-Deposit 44.12%

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