Farmers and Merchants Bank (Sylvania, GA)
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Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants Bank is an FDIC-insured commercial bank headquartered in Sylvania, GA, established in 1946 (FDIC certificate 16440), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $170.7M, up 1.1% from Q2 2025, the 94th largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.16% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16440
- Headquarters
- Sylvania, GA
- Established
- 1946
- Total assets, Q2 2026
- $170.7M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 16.16%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061212345
- Latest call report
- Q2 2026, FFIEC 051 · Farmers and Merchants Bank call report
- Holding company
- SCREVEN BANCSHARES, INC.
- Asset rank in state
- 94th of 121 in Georgia
Farmers and Merchants Bank runs leaner than most banks of its size. The Sylvania, Georgia bank had $171 million in assets at June 30, 2026, up 1.1% from a year earlier. It spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also funds 16.16% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.21% of loans, down from 0.33% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.2 million equal 15% of Tier 1 capital, down from 21% a year earlier.
As of June 30, 2026, Farmers and Merchants Bank reported a return on assets of 2.16%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 0.48%. The figures come from its call report filed with the FFIEC.
Farmers and Merchants Bank ranks as the 94th largest of the 121 banks based in Georgia, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $170.7M, loans fell 5.7% and deposits fell 1.4%. Owner-occupied commercial real estate loans made up 26.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 26.3%. Its 3 offices in the FDIC Summary of Deposits are in Sylvania, GA. Judged on its Q2 2026 call report, Farmers and Merchants Bank meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 1946
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $145.6M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $0
- Average total assets
- $169.8M
- Average total loans
- $61.9M
- Average interest-bearing deposits
- $107.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 18, 1946
- FDIC Cert
- 16440
- Fed RSSD
- 4231
- Website
- www.fmbanksylvania.com →
- Parent Holding Company
- SCREVEN BANCSHARES, INC. (RSSD 1863239)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Farmers and Merchants Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers and Merchants Bank's total assets moved between a low of $156.7M (Q3 2023) and a high of $172.8M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$170.7M total assets against $168.8M; $146.2M total liabilities against $147.1M.
$58.3M net loans and leases against $57.6M; $145.6M total deposits against $146.5M.
$75.6M securities against $72.0M; $28.9M cash and balances due against $31.2M.
$2.1M total interest income against $2.1M; $390K total interest expense against $366K.
$1.7M net interest income against $1.7M.
$200K total noninterest income against $199K; $745K total noninterest expense against $745K.
$30K provision for credit losses against $15K.
$915K net income against $920K.
2.16% return on assets against 2.22%; 4.23% net interest margin against 4.30%.
16.16% tier 1 leverage ratio against 15.48%.
Inside the full Farmers and Merchants Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers and Merchants Bank rankings
Its closest position to the top of a national ranking is 154 of 3,606, for efficiency ratio; its furthest is 2,966 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.92% (Q4 2025) to 2.22% (Q2 2025) and its net interest margin ran from 4.10% (Q3 2024) to 4.37% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.16% | 2.16% | 0.21% | 0.48% | 4.23% |
| Q1 2026 | 15.61% | 1.99% | 0.21% | 0.52% | 4.21% |
| Q4 2025 | 15.68% | 1.92% | 0.25% | 0.68% | 4.35% |
| Q3 2025 | 15.46% | 2.22% | 0.28% | 0.77% | 4.37% |
| Q2 2025 | 15.48% | 2.22% | 0.33% | 0.86% | 4.30% |
| Q1 2025 | 14.92% | 1.96% | 0.25% | 0.66% | 4.21% |
| Q4 2024 | 14.70% | 2.00% | 0.27% | 0.80% | 4.28% |
| Q3 2024 | 14.19% | 1.96% | 0.38% | 0.92% | 4.10% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Merchants Bank (main office) | Sylvania , GA | 30467 | $126.1M |
| Westside Branch | Sylvania , GA | 30467 | $19.5M |
| Filbert Street Branch | Sylvania , GA | 30467 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 130 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $547K approved, $547K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers and Merchants Bank
What are Farmers and Merchants Bank's total assets?
As of the Q2 2026 filing, Farmers and Merchants Bank reported total assets of $170.7 million in its FFIEC call report.
Where is Farmers and Merchants Bank headquartered?
It is headquartered in Sylvania, GA, United States.
When was Farmers and Merchants Bank founded?
It was established in 1946, per the FDIC institution directory.
Is Farmers and Merchants Bank FDIC-insured?
Yes. It 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.
How many branches does Farmers and Merchants Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Merchants Bank's Texas Ratio?
Its Texas Ratio is 0.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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