Farmers & Merchants Bank
Farmers & Merchants Bank is the primary bank subsidiary of its parent holding company, headquartered in Lakeland, GA. The Q1 2026 balance sheet stands at $801M in assets, including $612M in loans. Returns are notably above industry norms: 1.57% ROA, 17.98% ROE, and 4.59% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.92% exceeds the 9% CBLR threshold. Credit conditions bear watching: 1.74% NPL ratio with a 20.45% Texas Ratio (elevated but below the 100% concern level). 6 branches make up the footprint.
Headquarters Profile
- Address
- 4 N Carter St, LAKELAND, GA 31635
- County
- Lanier
- Metro Area
- VALDOSTA, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- January 1, 1907
- Branches
- 6 domestic
- Employees (FTE)
- 130
- FDIC Cert
- 5716
- Fed RSSD
- 763930
- Website
- www.fmb.net →
- Parent Holding Company
- LOWNDES BANCSHARES, INC. (RSSD 3839340)
Capital & Liquidity
Inside the full Farmers & Merchants Bank terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Farmers & Merchants Bank — freeThis is just Farmers & Merchants Bank's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Farmers & 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… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
Compare Farmers & Merchants Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Farmers & Merchants Bank
What are Farmers & Merchants Bank's total assets?
As of the Q1 2026 filing, Farmers & Merchants Bank reported total assets of $800.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers & Merchants Bank headquartered?
Farmers & Merchants Bank is headquartered in LAKELAND, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers & Merchants Bank founded?
Farmers & Merchants Bank was established in 1907, per the FDIC institution directory.
Is Farmers & Merchants Bank FDIC-insured?
Yes. Farmers & Merchants Bank is an FDIC-insured commercial bank (FDIC Certificate #5716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers & Merchants Bank?
Farmers & 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 & Merchants Bank operate?
Farmers & Merchants Bank operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers & Merchants Bank's Texas Ratio?
Farmers & Merchants Bank's Texas Ratio is 20.45% — 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.
Go deeper on Farmers & Merchants Bank.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required