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Farmers State Bank Locations & Branches Lincolnton, Georgia
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Farmers State Bank operates 3 branches from its headquarters in Lincolnton, GA, .
Farmers State Bank branch network
All 3 branches are in GEORGIA, across 3 cities. Its largest office by deposits is its main office in Lincolnton, GA, with $101.2M (63.1% of its branch deposits). It had the same number of branches on June 30, 2025.
Farmers State Bank at a glance
Its CET1 capital ratio was 31.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $186.2M
- CET1 ratio, Q2 2026
- 31.65%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1911
Full financial profile · Is Farmers State Bank safe? · Farmers State 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: Lincolnton, GA (1 branch) | 1 of 2 | 69.0% | $101.2M |
| State: GA (3 branches) | 126 of 177 | <0.1% | $160.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Georgia.
Share by county and metro area
Farmers State 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 |
|---|---|---|---|---|
| Lincoln, GA (1 branch) | 1 of 2 | 69.0% | $101.2M | $146.7M |
| Wilkes, GA (1 branch) | 3 of 3 | 12.0% | $37.3M | $311.1M |
| Mcduffie, GA (1 branch) | 6 of 6 | 4.9% | $21.8M | $446.6M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Augusta-Richmond County, GA-SC (2 branches) | 16 of 25 | 1.0% | $123.0M | $12.86B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 879) · FFIEC NIC profile (RSSD 773032)