Farmers & Merchants Bank
Eatonton, GA
IDRSSD: 64730
Total Assets
$304.53M
Latest filing
Total Deposits
$275.66M
Latest filing
Net Interest Margin
2.81%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Farmers & Merchants Bank
100 S Madison Ave
Eatonton, GA 31024
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/15/1922FDIC Certificate 5805
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers & Merchants Bank (Main) | 100 S Madison Ave | Eatonton, GA |
| OCONEE PARKWAY BRANCH | 1011 Lake Oconee Pkwy | Eatonton, GA |
Showing 1 of 1
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 | 11/15/1922 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31024 |
| State and County Number | 13237 |
| 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 | 29 |
| Domestic Offices | 2 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ibankfmb.com |
| Data Updated | 11/14/2025 |
| CERT | 9069 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $304.53M |
| Total Deposits | $275.66M |
| Total Liabilities | $277.74M |
| Total Equity Capital | $26.79M |
| Net Income | $548.00k |
| Net Loans and Leases | $117.61M |
| Assets Per Employee ($Millions) | $9.82M |
| Bank Premises and Fixed Assets | $1.23M |
| Cash and Balances due from Depository Institutions | $73.72M |
| Deposits Held in Domestic Offices | $275.66M |
Key Performance Ratios
| Return on Assets (ROA) | 0.71% |
| Return on Equity (ROE) | 8.53% |
| Net Interest Margin | 2.81% |
| Efficiency Ratio | 58.54% |
| Tier 1 Risk-Based Capital Ratio | 19.956% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.798% |
| Earning Assets to total Assets | 97.87% |
Income and Expense
| Total Interest Income | $3.52M |
| Total Noninterest Income | $171.00k |
| Total Interest Expense | $1.39M |
| Total Noninterest Expense | $1.35M |
| Net Interest Income | $2.13M |
| Pre-tax Net Operating Income | $878.00k |
| Provision for Credit Losses | $76.00k |
| 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 | $210.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.08M |
| Total Liabilities and Capital | $304.53M |
Securities
| Securities | $107.85M |
| Available-for-sale debt securities | $107.85M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers & Merchants Bank?
$304.53M as of the latest filing.
How much are Farmers & Merchants Bank's total deposits?
$275.66M in total deposits.
Where is Farmers & Merchants Bank located?
Eatonton, GA.
What is the Net Interest Margin?
2.81%.
How many domestic offices does it operate?
2.
When was it established?
11/15/1922.
What is the Return on Assets (ROA)?
0.71%.
How much are total loans and leases?
$117.61M (latest filing).
What is the total interest income (latest filing)?
$3.52M.