Farmers and Merchants Bank
Sylvania, GA
IDRSSD: 4231
Total Assets
$172.13M
Latest filing
Total Deposits
$147.64M
Latest filing
Net Interest Margin
4.19%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Bank
104 N Main St
Sylvania, GA 30467
Full Service - Brick and Mortar
Updated 04/10/2026Established 03/01/1946FDIC Certificate 10610
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers and Merchants Bank (Main) | 104 N Main St | Sylvania, GA |
| WESTSIDE BRANCH | 505 W Ogeechee St | Sylvania, GA |
| FILBERT STREET BRANCH | 101 Filbert Street | Sylvania, GA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 04/10/2026 |
| CERT | 16440 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $172.13M |
| Total Deposits | $147.64M |
| Total Liabilities | $148.43M |
| Total Equity Capital | $23.70M |
| Net Income | $847.00k |
| Net Loans and Leases | $61.95M |
| Assets Per Employee ($Millions) | $8.2M |
| Bank Premises and Fixed Assets | $824.00k |
| Cash and Balances due from Depository Institutions | $29.61M |
| Deposits Held in Domestic Offices | $147.64M |
Key Performance Ratios
| Return on Assets (ROA) | 1.96% |
| Return on Equity (ROE) | 14.42% |
| Net Interest Margin | 4.19% |
| Efficiency Ratio | 41.32% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.771% |
| Earning Assets to total Assets | 94.47% |
Income and Expense
| Total Interest Income | $2.08M |
| Total Noninterest Income | $186.00k |
| Total Interest Expense | $370.00k |
| Total Noninterest Expense | $783.00k |
| Net Interest Income | $1.71M |
| Pre-tax Net Operating Income | $1.07M |
| Provision for Credit Losses | $40.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $792.00k |
| Total Liabilities and Capital | $172.13M |
Securities
| Securities | $72.79M |
| Available-for-sale debt securities | $71.50M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$172.13M as of the latest filing.
How much are Farmers and Merchants Bank's total deposits?
$147.64M in total deposits.
Where is Farmers and Merchants Bank located?
Sylvania, GA.
What is the Net Interest Margin?
4.19%.
How many domestic offices does it operate?
3.
When was it established?
03/01/1946.
What is the Return on Assets (ROA)?
1.96%.
How much are total loans and leases?
$61.95M (latest filing).
What is the total interest income (latest filing)?
$2.08M.