The Farmers Bank (Greensboro, GA)
BankRegReports is independent of The Farmers Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Farmers Bank is an FDIC-insured commercial bank headquartered in Greensboro, GA, established in 1911 (FDIC certificate 5709), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $148.3M, down 13.3% from Q2 2025, the 102nd largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 18.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 5709
- Headquarters
- Greensboro, GA
- Established
- 1911
- Total assets, Q2 2026
- $148.3M
- Assets vs Q2 2025
- -13.3%
- CET1 ratio, Q2 2026
- 18.25%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061107861
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers Bank Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- PUTNAM-GREENE FINANCIAL CORPORATION
- Asset rank in state
- 102nd of 121 in Georgia
The Farmers Bank, based in Greensboro, Georgia, reported $148 million in assets at June 30, 2026, down 13.3% from a year earlier. It lost 16.1% of its deposits over the year, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 4.1%). It also carries problem assets equal to 0.3% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
Net income for the quarter rose 17% from a year earlier, to $453,000. Over the same year, loans shrank 2.6% and deposits shrank 16.1%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, The Farmers Bank reported a CET1 capital ratio of 18.25%, a return on assets of 1.09%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Farmers Bank is the 102nd largest of the 121 banks headquartered in Georgia. From Q1 2026 to Q2 2026, its total assets fell 16.4% to $148.3M, loans fell 1.7% and deposits fell 18.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 27.7%. Its one office in the FDIC Summary of Deposits is in Greensboro, GA. On its Q2 2026 call report, The Farmers Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 202a S Main St, Greensboro, GA 30642
- County
- Greene
- 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
- September 6, 1911
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $132.3M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $166.0M
- Average total loans
- $98.1M
- Average interest-bearing deposits
- $131.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5709
- Fed RSSD
- 11837
- Website
- www.farmbk.com →
- Parent Holding Company
- PUTNAM-GREENE FINANCIAL CORPORATION (RSSD 1246252)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Farmers Bank's total assets ran between $122.0M (Q3 2023) and $183.6M (Q4 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$148.3M total assets against $170.9M; $133.1M total liabilities against $158.2M.
$95.0M net loans and leases against $97.8M; $132.3M total deposits against $157.8M.
$37.9M securities against $49.6M; $12.2M cash and balances due against $19.9M.
$2.4M total interest income against $2.4M; $769K total interest expense against $1.1M.
$1.6M net interest income against $1.3M.
$39K total noninterest income against $48K; $986K total noninterest expense against $782K.
$53K provision for credit losses against $75K.
$453K net income against $386K.
1.09% return on assets against 0.87%; 4.07% net interest margin against 3.06%.
18.25% CET1 capital ratio against 15.82%; 11.21% tier 1 leverage ratio against 9.69%.
Inside the full The Farmers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Farmers Bank rankings
Its closest position to the top of a national ranking is 457 of 2,134, for CET1 ratio; its furthest is 3,080 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.60% (Q4 2024) to 1.09% (Q2 2026) and its net interest margin ran from 2.38% (Q3 2024) to 4.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.25% | 1.09% | 0.05% | 0.31% | 4.07% |
| Q1 2026 | 16.84% | 0.93% | 1.16% | 7.03% | 3.42% |
| Q4 2025 | 17.32% | 0.94% | 0.74% | 4.49% | 3.37% |
| Q3 2025 | 16.24% | 0.69% | 0.70% | 4.62% | 3.23% |
| Q2 2025 | 15.82% | 0.87% | 0.00% | 0.01% | 3.06% |
| Q1 2025 | 16.96% | 0.88% | 0.06% | 0.41% | 2.85% |
| Q4 2024 | 17.42% | 0.60% | 0.16% | 1.08% | 2.76% |
| Q3 2024 | 17.97% | 0.71% | 0.00% | 0.00% | 2.38% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Farmers Bank | Greensboro , GA | 30642 | $132.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve). These actions name the parent holding company, PUTNAM-GREENE FINANCIAL CORPORATION, not the bank itself
- April 16, 2004, Federal Reserve: Written Agreement: Putnam-Greene Financial Corporation, Eatonton, GA and The Citizens Bank of Cochran, Cochran, GA
- November 12, 1997, Federal Reserve: Cease and Desist Order: Putnam-Greene Financial Corporation, Eatonton, GA
- Period: Most recent institution action April 16, 2004. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 135 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Farmers Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Farmers Bank
What are The Farmers Bank's total assets?
As of the Q2 2026 filing, The Farmers Bank reported total assets of $148.3 million in its FFIEC call report.
Where is The Farmers Bank headquartered?
It is headquartered in Greensboro, GA, United States.
When was The Farmers Bank founded?
It was established in 1911, per the FDIC institution directory.
Is The Farmers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5709). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers Bank?
The Farmers Bank's primary federal regulator is the FDIC.
What is The Farmers Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Farmers Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers Bank's Texas Ratio?
Its Texas Ratio is 0.31% 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.
Go deeper on The Farmers Bank.
Get an email when The Farmers Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Farmers Bank, freeFree account