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Farmers & Merchants Bank Locations & Branches Lakeland, Georgia
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Farmers & Merchants Bank operates 6 branches from its headquarters in Lakeland, GA, .
Farmers & Merchants Bank branch network
All 6 branches are in GEORGIA, across 5 cities. Valdosta, GA has the most of its branches, 2. Its largest office by deposits is the North Valdosta Branch office in Valdosta, GA, with $229.9M (29.3% of its branch deposits). It had the same number of branches on June 30, 2025.
Farmers & Merchants Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 9.74% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $862.0M
- Tier 1 leverage ratio, Q2 2026
- 9.74%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1907
Full financial profile · Is Farmers & Merchants Bank safe? · Farmers & Merchants Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Lakeland, GA (1 branch) | 1 of 1 | 100.0% | $140.6M |
| State: GA (6 branches) | 33 of 177 | 0.2% | $784.7M |
Ranked by total assets among banks headquartered in the state: Largest banks in Georgia.
Share by county and metro area
Farmers & Merchants Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Lowndes, GA (2 branches) | 8 of 14 | 6.9% | $229.9M | $3.34B |
| Berrien, GA (1 branch) | 1 of 2 | 53.5% | $179.9M | $336.0M |
| Clinch, GA (1 branch) | 1 of 2 | 89.7% | $163.6M | $182.3M |
| Lanier, GA (1 branch) | 1 of 1 | 100.0% | $140.6M | $140.6M |
| Rockdale, GA (1 branch) | 8 of 10 | 4.0% | $70.7M | $1.77B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Valdosta, GA (3 branches) | 4 of 16 | 9.8% | $370.5M | $3.78B |
| Atlanta-Sandy Springs-Alpharetta, GA (1 branch) | 65 of 81 | <0.1% | $70.7M | $254.61B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Valdosta Branch | Valdosta, GA | 31602 | $229.9M |
| Nashville Branch | Nashville, GA | 31639 | $179.9M |
| Homerville Branch | Homerville, GA | 31634 | $163.6M |
| Farmers and Merchants Bank | Lakeland, GA | 31635 | $140.6M |
| Conyers Branch | Conyers, GA | 30013 | $70.7M |
| South Valdosta Branch | Valdosta, GA | 31601 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 5716) · FFIEC NIC profile (RSSD 763930)