FARMERS & MERCHANTS BANK

EATONTON, GA | Small | Est. Nov. 15, 1922, midnight | FDIC #9069 | RSSD #64730 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK is asn small FDIC-insured commercial bank headquartered in EATONTON, GA, established in Nov. 15, 1922, midnight. As of 2025-12-31, the bank reported total assets of $312M and total deposits of $282M. Profitability stands at 0.64% ROA and 7.20% ROE, with a net interest margin of 2.91%. The bank's CET1 capital ratio is 20.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.97% and a Texas Ratio of 3.91%. FDIC Certificate #9069.

Assets

$312M

Deposits

$282M

Loans

$120M

Equity

$28M

Profitability

Return on Assets (ROA) 0.64%
Return on Equity (ROE) 7.20%
Net Interest Margin (NIM) 2.91%
Yield on Assets 4.70%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.97%
Net Charge-Off Ratio -0.02%
Texas Ratio 3.91%
NPA Ratio 0.37%
ACL / Loans 1.65%

Capital & Liquidity

CET1 Ratio 20.34%
Tier 1 Capital 20.34%
Total Capital Ratio 21.60%
Leverage Ratio 10.74%
Loan-to-Deposit 42.46%

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