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Lowndes Bancshares, Inc. Financials, FR Y-9SP Data and Filings

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Bank Holding Company Georgia RSSD 3839340 FRS Est. 1995

Lowndes Bancshares, Inc. is a bank holding company based in Georgia with $1.44B in total consolidated assets as of June 30, 2026, on the consolidated assets memorandum line of its FR Y-9SP, a parent-company-only report. It owns 3 banks that file a call report, the largest being Farmers & Merchants Bank ($862.0M in assets).

Holding companies with less than $3 billion in assets file the semiannual FR Y-9SP rather than the quarterly FR Y-9C. The FR Y-9SP reports the parent company on its own, apart from one consolidated assets line, so deposits, loans, capital ratios and quarterly earnings sit in the bank's call report: see Farmers & Merchants Bank.

Key Financials FR Y-9SP, as of June 30, 2026

Total consolidated assets
$1.44B
Total assets, parent only
$169.7M
Total equity, parent only
$103.8M
Net income, parent only (first half of 2026)
$10.3M

Source: FR Y-9SP for June 30, 2026. Total consolidated assets covers the company and every subsidiary (Memoranda item 1, BHSP8519). The parent-only lines count the holding company itself, which carries its banks as an investment, and its net income is year to date. Bank-level figures in the tables below come from each bank's own call report.

Bank Subsidiaries 3 banks held directly or through another holding company

Bank Charter State Total assets (call report) Share of bank assets Held through
Farmers & Merchants Bank State Non-Member Bank GA $862.0M 61.3% Held directly
Commercial Banking Company Federal Savings Bank GA $409.5M 29.1% Held directly
The Citizens National Bank of Quitman National Bank GA $133.7M 9.5% Held directly

Questions About Lowndes Bancshares, Inc.

What are Lowndes Bancshares, Inc.'s total assets?

Lowndes Bancshares, Inc. reported $1.44B in total consolidated assets as of June 30, 2026, the figure it entered on the consolidated assets memorandum line of its FR Y-9SP filing with the Federal Reserve. The FR Y-9SP is a parent-company-only report that carries no consolidated balance sheet, and holding companies with less than $3 billion in assets file it semiannually instead of the quarterly FR Y-9C.

How many banks does Lowndes Bancshares, Inc. own?

Lowndes Bancshares, Inc. owns 3 banks that file a call report: Farmers & Merchants Bank, Commercial Banking Company, and The Citizens National Bank of Quitman.

Who owns Farmers & Merchants Bank?

Farmers & Merchants Bank is owned by Lowndes Bancshares, Inc. The bank reported $862.0M in total assets on its latest call report.

Where can I find Lowndes Bancshares, Inc.'s FR Y-9SP?

Lowndes Bancshares, Inc. files the FR Y-9SP with the Federal Reserve every six months, as of June 30 and December 31. The reports are public on the FFIEC National Information Center under RSSD ID 3839340. This page summarizes the FR Y-9SP for Q2 2026.

Filing Details fiscal year and SEC registration

Fiscal year end
December 31
Ticker
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SEC CIK
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SEC filings
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Organization Map select + to expand a subsidiary's own holdings

Holding company Reporting bank Nonbank subsidiary

Direct Subsidiaries 3 active direct subsidiaries

Entity Type State Total Assets Share of bank subsidiary assets
Farmers & Merchants Bank · 763930 State Non-Member Bank GA $862.0M 61.3%
Commercial Banking Company · 381932 Federal Savings Bank GA $409.5M 29.1%
The Citizens National Bank of Quitman · 774235 National Bank GA $133.7M 9.5%

Share of bank subsidiary assets divides each bank's total assets by the combined assets of the bank subsidiaries listed. Nonbank subsidiaries are not counted.

Regulator records: FFIEC NIC profile (RSSD 3839340)