Farmers and Merchants Bank

BankSylvania, Georgia
www.fmbanksylvania.com

Total Assets

$172.8M

Total Deposits

$148.5M

Branches

3

Established

1946

TFS Health Grade

$
D+

68.5 / 100

Below average financial health

How we grade

Farmers and Merchants Bank is a bank headquartered in Sylvania, Georgia, established in 1946. With $172.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D+ (68.5/100).

Capital & Safety

Tier 1 Capital Ratio
15.68%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.25%

Profitability

Return on Assets (ROA)
2.03%(1%)
Return on Equity (ROE)
15.83%(10%)
Net Interest Margin
4.28%
Efficiency Ratio
39.67%(60%)

Lending & Liquidity

Total Loans
$65.5M
Loan-to-Deposit Ratio
43.39%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
+1.72%
Deposit Growth (YoY)
-0.75%
Net Income
$3.4M

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.

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