Bank Safety Analysis
Is Farmers and Merchants Bank Safe? Sylvania, Georgia
Based on its Q3 2026 call report, Farmers and Merchants Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 1.10%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Farmers and Merchants Bank safe?
On its Q3 2026 call report, Farmers and Merchants Bank's Community Bank Leverage Ratio is 14.99%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 14.99%
- Texas ratio (Q3 2026): 1.10%
- Noncurrent loans ratio (Q3 2026): 0.43%
Farmers and Merchants Bank is an FDIC-insured commercial bank (FDIC Certificate #16440). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Farmers and Merchants Bank (FDIC Certificate #16440) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Farmers and Merchants Bank passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Compared with Q2 2026, return on assets fell 0.37 percentage points in Q3 2026 to 1.78%, the biggest move on this page. Farmers and Merchants Bank ranks 22nd of 121 Georgia banks on leverage ratio, in the upper half at 14.99% (Q3 2026). Farmers and Merchants Bank reported 14.99% on leverage ratio for Q3 2026, 3.91 points above the 11.09% median for banks in the $100M-1B asset tier. From Q4 2023 to Q3 2026, Farmers and Merchants Bank's Texas ratio ranged between 0.48% (Q2 2026) and 1.16% (Q4 2023).
Between Q3 2025 and Q3 2026, Farmers and Merchants Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.28% to 0.43%, Texas ratio rose from 0.77% to 1.10% and return on assets fell from 2.22% to 1.78%.
By total assets at Q3 2026, Farmers and Merchants Bank is the 96th largest of the 122 banks headquartered in Georgia. 1-4 family residential loans are its largest loan category, $15.2M of $58.4M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, Farmers and Merchants Bank's community bank leverage ratio of 14.99% is above the 11.09% median, nonperforming loans ratio of 0.43% is at the 0.43% median, Texas ratio of 1.10% is below the 2.96% median, and efficiency ratio of 43.30% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Farmers and Merchants Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Farmers and Merchants Bank score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does Farmers and Merchants Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 1.10% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.43% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 41.28% | Within range |
| Commercial real estate to capital supervisory threshold | 69.74% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.43% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 1.10% |
| Q2 2026 | 0.48% |
| Q1 2026 | 0.52% |
| Q4 2025 | 0.68% |
| Q3 2025 | 0.77% |
| Q2 2025 | 0.86% |
| Q1 2025 | 0.66% |
| Q4 2024 | 0.80% |
| Q3 2024 | 0.92% |
| Q2 2024 | 0.78% |
| Q1 2024 | 0.85% |
| Q4 2023 | 1.16% |
Loans by type, Q3 2026
- 1-4 family residential loans: $15.2M
- Owner-occupied commercial real estate loans: $14.6M
- Construction and land development loans: $12.5M
- Non-owner-occupied commercial real estate loans: $3.9M
- Commercial and industrial loans: $2.6M
- Multifamily loans: $2.4M
- Other consumer loans: $1.7M
- Agricultural production loans: $1.4M
How have Farmers and Merchants Bank's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $164.1M | 14.99% | 0.43% | 1.10% | 43.30% |
| Jun 30, 2026 | $170.7M | 16.16% | 0.21% | 0.48% | 38.27% |
| Mar 31, 2026 | $172.1M | 15.61% | 0.21% | 0.52% | 40.82% |
| Dec 31, 2025 | $172.8M | 15.68% | 0.25% | 0.68% | 37.91% |
| Sep 30, 2025 | $159.8M | 15.46% | 0.28% | 0.77% | 38.08% |
| Jun 30, 2025 | $168.8M | 15.48% | 0.33% | 0.86% | 38.26% |
| Mar 31, 2025 | $168.9M | 14.92% | 0.25% | 0.66% | 42.50% |
| Dec 31, 2024 | $169.9M | 14.70% | 0.27% | 0.80% | 40.44% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Farmers and Merchants Bank FDIC insured?
Yes. Farmers and Merchants Bank is an FDIC-insured commercial bank (FDIC Certificate #16440). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Farmers and Merchants Bank well capitalized?
On its Q3 2026 call report, Farmers and Merchants Bank's Community Bank Leverage Ratio is 14.99%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Farmers and Merchants Bank's key safety ratios?
For Q3 2026, Farmers and Merchants Bank reports leverage 14.99%, Texas ratio 1.10%, noncurrent loans 0.43%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if Farmers and Merchants Bank fails?
For Q3 2026, Farmers and Merchants Bank reported $141.5M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Farmers and Merchants Bank profile.
How we score this
Farmers and Merchants Bank elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Farmers and Merchants Bank is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 16440) · FFIEC NIC profile (RSSD 4231)
Explore: Full Farmers and Merchants Bank profile · Other banks in GA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.