Farmers and Merchants Bank

BankLakeland, Georgia
www.fmb.net

Total Assets

$763.4M

Total Deposits

$672.9M

Branches

6

Established

1907

TFS Health Grade

$
D+

68.4 / 100

Below average financial health

How we grade

Farmers and Merchants Bank is a bank headquartered in Lakeland, Georgia, established in 1907. With $763.4M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D+ (68.4/100).

Capital & Safety

Tier 1 Capital Ratio
9.97%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.82%

Profitability

Return on Assets (ROA)
1.55%(1%)
Return on Equity (ROE)
18.80%(10%)
Net Interest Margin
4.76%
Efficiency Ratio
53.85%(60%)

Lending & Liquidity

Total Loans
$601.7M
Loan-to-Deposit Ratio
88.38%
Net Charge-Off Ratio
0.37%

Growth

Asset Growth (YoY)
+3.76%
Deposit Growth (YoY)
-0.65%
Net Income
$11.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in Georgia