Farmers and Merchants Bank
Farmers and Merchants Bank is a locally rooted FDIC-insured community bank based in Sylvania, GA. The Q1 2026 balance sheet stands at $172M in assets, including $63M in loans. Profitability is strong — 1.99% ROA, paired with 14.42% ROE and a 4.21% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 15.61% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.21% NPLs and a 0.52% Texas Ratio. It operates 3 branches, primarily in Georgia.
Headquarters Profile
- Address
- 104 N Main St, SYLVANIA, GA 30467
- County
- Screven
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- March 1, 1946
- Branches
- 3 domestic
- Employees (FTE)
- 21
- FDIC Cert
- 16440
- Fed RSSD
- 4231
- Website
- www.fmbanksylvania.com →
- Parent Holding Company
- SCREVEN BANCSHARES, INC. (RSSD 1863239)
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Farmers and Merchants Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Farmers and Merchants Bank
What are Farmers and Merchants Bank's total assets?
As of the Q1 2026 filing, Farmers and Merchants Bank reported total assets of $172.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers and Merchants Bank headquartered?
Farmers and Merchants Bank is headquartered in SYLVANIA, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers and Merchants Bank founded?
Farmers and Merchants Bank was established in 1946, per the FDIC institution directory.
Is Farmers and Merchants Bank FDIC-insured?
Yes. Farmers and Merchants Bank is an FDIC-insured commercial bank (FDIC Certificate #16440). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers and Merchants Bank?
Farmers and Merchants Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Farmers and Merchants Bank operate?
Farmers and Merchants Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers and Merchants Bank's Texas Ratio?
Farmers and Merchants Bank's Texas Ratio is 0.52% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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