Farmers and Merchants Bank
Lakeland, GA
IDRSSD: 763930
Total Assets
$763.42M
Latest filing
Total Deposits
$672.90M
Latest filing
Net Interest Margin
4.86%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Bank
4 N Carter St
Lakeland, GA 31635
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1907FDIC Certificate 3897
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers and Merchants Bank (Main) | 4 N Carter St | Lakeland, GA |
| NASHVILLE BRANCH | 202 W Washington Ave | Nashville, GA |
| HOMERVILLE BRANCH | Northwest U.S. 84 And Lakeview Drive | Homerville, GA |
| SOUTH VALDOSTA BRANCH | 1201 S Patterson St | Valdosta, GA |
| CONYERS BRANCH | 2140 Old Covington Rd Ne | Conyers, GA |
| NORTH VALDOSTA BRANCH | 3303 Inner Perimeter Rd | Valdosta, GA |
Showing 5 of 5
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 | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31635 |
| State and County Number | 13173 |
| 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 | Valdosta, GA |
Operational Info
| Number of Employees | 128 |
| Domestic Offices | 6 |
| 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.fmb.net |
| Data Updated | 01/30/2026 |
| CERT | 5716 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $763.42M |
| Total Deposits | $672.90M |
| Total Liabilities | $695.50M |
| Total Equity Capital | $67.91M |
| Net Income | $2.80M |
| Net Loans and Leases | $594.71M |
| Assets Per Employee ($Millions) | $5.92M |
| Bank Premises and Fixed Assets | $7.62M |
| Cash and Balances due from Depository Institutions | $39.61M |
| Deposits Held in Domestic Offices | $672.90M |
Key Performance Ratios
| Return on Assets (ROA) | 1.48% |
| Return on Equity (ROE) | 16.9% |
| Net Interest Margin | 4.86% |
| Efficiency Ratio | 59% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.36% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.896% |
| Earning Assets to total Assets | 96.18% |
Income and Expense
| Total Interest Income | $12.76M |
| Total Noninterest Income | $487.00k |
| Total Interest Expense | $3.90M |
| Total Noninterest Expense | $5.51M |
| Net Interest Income | $8.86M |
| Pre-tax Net Operating Income | $3.14M |
| Provision for Credit Losses | $690.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.43M |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.65M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.60M |
| Total Liabilities and Capital | $763.42M |
Securities
| Securities | $104.46M |
| Available-for-sale debt securities | $104.46M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 and Merchants Bank?
$763.42M as of the latest filing.
How much are Farmers and Merchants Bank's total deposits?
$672.90M in total deposits.
Where is Farmers and Merchants Bank located?
Lakeland, GA.
What is the Net Interest Margin?
4.86%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
1.48%.
How much are total loans and leases?
$594.71M (latest filing).
What is the total interest income (latest filing)?
$12.76M.