Farmers State Bank (Lincolnton, GA)
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Data as of · sourced from FFIEC call reports. How we update
Farmers State Bank is an FDIC-insured commercial bank headquartered in Lincolnton, GA, established in 1911 (FDIC certificate 879), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $186.2M, up 1.2% from Q2 2025, the 93rd largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 31.65% 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
- 879
- Headquarters
- Lincolnton, GA
- Established
- 1911
- Total assets, Q2 2026
- $186.2M
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 31.65%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061108161
- Holding company
- LINCOLN BANCSHARES, INC.
- Asset rank in state
- 93rd of 121 in Georgia
Farmers State Bank is one of the more profitable banks of its size. It reported $186 million in assets at June 30, 2026, up 1.2% from a year earlier. It earns about $2.80 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.37 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Loans and deposits moved in opposite directions: over the year loans rose 4.8% and deposits fell 0.3%. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.5 million equal 15% of Tier 1 capital, down from 22% a year earlier.
As of June 30, 2026, Farmers State Bank reported a CET1 capital ratio of 31.65%, a return on assets of 2.80%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 0.57%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers State Bank is the 93rd largest of the 121 banks headquartered in Georgia. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $186.2M, loans rose 4.9% and deposits fell 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 44.3% of total loans, ahead of owner-occupied commercial real estate loans at 17.2%. The FDIC Summary of Deposits lists 3 offices for it, in Lincolnton, GA, Washington, GA and Thomson, GA; its Lincolnton office books 63% of its branch deposits. On its Q2 2026 call report, Farmers State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 115 N Washington St, Lincolnton, GA 30817
- County
- Lincoln
- Metro Area
- Augusta-Richmond County, GA-SC
- 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 041
- Established
- December 2, 1911
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $160.3M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $67K
- Average total assets
- $191.0M
- Average total loans
- $86.6M
- Average interest-bearing deposits
- $82.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 879
- Fed RSSD
- 773032
- Website
- FARMERSSTATEONLINE.COM →
- Parent Holding Company
- LINCOLN BANCSHARES, INC. (RSSD 2645937)
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
Farmers State Bank's total assets moved between a low of $169.0M (Q3 2023) and a high of $189.0M (Q1 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
$186.2M total assets against $184.0M; $161.3M total liabilities against $161.7M.
$87.7M net loans and leases against $83.6M; $160.3M total deposits against $160.7M.
$46.5M securities against $44.1M; $46.4M cash and balances due against $50.7M.
$2.7M total interest income against $2.8M; $285K total interest expense against $311K.
$2.4M net interest income against $2.5M.
$313K total noninterest income against $266K; $1.4M total noninterest expense against $1.4M.
$15K provision for credit losses against $15K.
$1.3M net income against $1.3M.
2.80% return on assets against 2.80%; 5.37% net interest margin against 5.58%.
31.65% CET1 capital ratio against 32.59%; 15.44% tier 1 leverage ratio against 15.10%.
Inside the full Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers State Bank rankings
Its closest position to the top of a national ranking is 100 of 3,611, for ROA; its furthest is 2,918 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.11% (Q4 2024) to 2.99% (Q3 2025) and its net interest margin ran from 5.28% (Q1 2025) to 5.67% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.65% | 2.80% | 0.17% | 0.57% | 5.37% |
| Q1 2026 | 33.82% | 2.44% | 0.13% | 0.41% | 5.35% |
| Q4 2025 | 31.86% | 2.94% | 0.26% | 0.86% | 5.67% |
| Q3 2025 | 33.59% | 2.99% | 0.22% | 0.72% | 5.47% |
| Q2 2025 | 32.59% | 2.80% | 0.14% | 0.48% | 5.58% |
| Q1 2025 | 32.81% | 2.66% | 0.15% | 0.50% | 5.28% |
| Q4 2024 | 31.84% | 2.11% | 0.14% | 0.53% | 5.66% |
| Q3 2024 | 32.50% | 2.20% | 0.21% | 0.68% | 5.65% |
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 State Bank (main office) | Lincolnton , GA | 30817 | $101.2M |
| Washington Branch | Washington , GA | 30673 | $37.3M |
| Thomson Branch | Thomson , GA | 30824 | $21.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 126 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 46 applications, 44 loans originated, $9.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $700K approved, $700K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 State Bank
What are Farmers State Bank's total assets?
As of the Q2 2026 filing, Farmers State Bank reported total assets of $186.2 million in its FFIEC call report.
Where is Farmers State Bank headquartered?
It is headquartered in Lincolnton, GA, United States.
When was Farmers State Bank founded?
It was established in 1911, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers State Bank?
Farmers State Bank's primary federal regulator is the FDIC.
What is Farmers State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers State 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 State Bank's Texas Ratio?
Its Texas Ratio is 0.57% 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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