FARMERS & MERCHANTS BANK

LAKELAND, GA | Medium | Est. Jan. 1, 1907, midnight | FDIC #5716 | RSSD #763930 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK is amn medium FDIC-insured commercial bank headquartered in LAKELAND, GA, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $763M and total deposits of $673M. Profitability stands at 1.48% ROA and 16.90% ROE, with a net interest margin of 5.08%. The bank's CET1 capital ratio is 8.90%. Asset quality metrics show a non-performing loan ratio of 1.34% and a Texas Ratio of 12.69%. FDIC Certificate #5716.

Assets

$763M

Deposits

$673M

Loans

$602M

Equity

$68M

Profitability

Return on Assets (ROA) 1.48%
Return on Equity (ROE) 16.90%
Net Interest Margin (NIM) 5.08%
Yield on Assets 7.31%
Cost of Funds 2.23%

Asset Quality

NPL Ratio 1.34%
Net Charge-Off Ratio 0.35%
Texas Ratio 12.69%
NPA Ratio 1.25%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 8.90%
Tier 1 Capital 8.90%
Total Capital Ratio 9.34%
Leverage Ratio 9.97%
Loan-to-Deposit 89.43%

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