Farmers and Merchants Bank
Sylvania, GA
IDRSSD: 4231
Total Assets
$159.79M
Latest filing
Total Deposits
$136.78M
Latest filing
Net Interest Margin
4.37%
Profitability
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
The Farmers Bank
Greensboro, Georgia
→
Assets: $170.93MΔ +1.2%
Wheeler County State Bank
Alamo, Georgia
→
Assets: $166.44MΔ -1.4%
Bank of Dawson
Dawson, Georgia
→
Assets: $164.72MΔ -2.4%
West Central Georgia Bank
Thomaston, Georgia
→
Assets: $157.36MΔ -6.8%
Legacy State Bank
Loganville, Georgia
→
Assets: $180.99MΔ +7.2%
Bank of Camilla
Camilla, Georgia
→
Assets: $182.16MΔ +7.9%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/01/1946 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30467 |
| State and County Number | 13251 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 22 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/18/1946 |
| Primary Insurance Agency | DIF |
| Website | www.fmbanksylvania.com |
| Data Updated | 11/14/2025 |
| CERT | 16440 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $159.79M |
| Total Deposits | $136.78M |
| Total Liabilities | $137.53M |
| Total Equity Capital | $22.26M |
| Net Income | $895.00k |
| Net Loans and Leases | $62.20M |
| Assets Per Employee ($Millions) | $7.61M |
| Bank Premises and Fixed Assets | $834.00k |
| Cash and Balances due from Depository Institutions | $18.00M |
| Deposits Held in Domestic Offices | $136.78M |
Key Performance Ratios
| Return on Assets (ROA) | 2.18% |
| Return on Equity (ROE) | 16.28% |
| Net Interest Margin | 4.37% |
| Efficiency Ratio | 38.57% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.93% |
| Earning Assets to total Assets | 94.24% |
Income and Expense
| Total Interest Income | $2.05M |
| Total Noninterest Income | $202.00k |
| Total Interest Expense | $351.00k |
| Total Noninterest Expense | $732.00k |
| Net Interest Income | $1.70M |
| Pre-tax Net Operating Income | $1.12M |
| Provision for Credit Losses | $48.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $750.00k |
| Total Liabilities and Capital | $159.79M |
Securities
| Securities | $72.09M |
| Available-for-sale debt securities | $70.81M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $1.30M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers and Merchants Bank?
$159.79M as of the latest filing.
How much are Farmers and Merchants Bank's total deposits?
$136.78M in total deposits.
Where is Farmers and Merchants Bank located?
Sylvania, GA.
What is the Net Interest Margin?
4.37%.
How many domestic offices does it operate?
3.
When was it established?
03/01/1946.
What is the Return on Assets (ROA)?
2.18%.
How much are total loans and leases?
$62.20M (latest filing).
What is the total interest income (latest filing)?
$2.05M.