Farmers State Bank
Lincolnton, GA
IDRSSD: 773032
Total Assets
$180.78M
Latest filing
Total Deposits
$155.05M
Latest filing
Net Interest Margin
5.51%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Farmers State Bank
115 N Washington St
Lincolnton, GA 30817
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/02/1911FDIC Certificate 561
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers State Bank (Main) | 115 N Washington St | Lincolnton, GA |
| WASHINGTON BRANCH | 209 E Court St | Washington, GA |
| THOMSON BRANCH | 1197 Washington Rd | Thomson, GA |
Showing 2 of 2
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
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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 | 12/02/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30817 |
| State and County Number | 13181 |
| Subchapter S Corporations | Yes |
| 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 | Augusta-Richmond County, GA-SC |
Operational Info
| Number of Employees | 37 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/31/2006 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | FARMERSSTATEONLINE.COM |
| Data Updated | 11/14/2025 |
| CERT | 879 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $180.78M |
| Total Deposits | $155.05M |
| Total Liabilities | $156.22M |
| Total Equity Capital | $24.55M |
| Net Income | $1.38M |
| Net Loans and Leases | $83.19M |
| Assets Per Employee ($Millions) | $4.76M |
| Bank Premises and Fixed Assets | $4.16M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $155.05M |
Key Performance Ratios
| Return on Assets (ROA) | 3.02% |
| Return on Equity (ROE) | 23.49% |
| Net Interest Margin | 5.51% |
| Efficiency Ratio | 48.58% |
| Tier 1 Risk-Based Capital Ratio | 33.593% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.583% |
| Earning Assets to total Assets | 94.81% |
Income and Expense
| Total Interest Income | $2.69M |
| Total Noninterest Income | $316.00k |
| Total Interest Expense | $302.00k |
| Total Noninterest Expense | $1.31M |
| Net Interest Income | $2.39M |
| Pre-tax Net Operating Income | $1.38M |
| Provision for Credit Losses | $15.00k |
| 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 | $1.18M |
| Total Liabilities and Capital | $180.78M |
Securities
| Securities | $45.57M |
| Available-for-sale debt securities | $45.57M |
| 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 State Bank?
$180.78M as of the latest filing.
How much are Farmers State Bank's total deposits?
$155.05M in total deposits.
Where is Farmers State Bank located?
Lincolnton, GA.
What is the Net Interest Margin?
5.51%.
How many domestic offices does it operate?
3.
When was it established?
12/02/1911.
What is the Return on Assets (ROA)?
3.02%.
How much are total loans and leases?
$83.19M (latest filing).
What is the total interest income (latest filing)?
$2.69M.