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Farmers State Bank

Dublin, GA · Est. 1934 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Farmers State Bank is a bank based in Dublin, Georgia, established in 1934, with $159 million in total assets across 3 branches. By Trust Grade it ranks 24th of 124 banks we track in Georgia. Its capital ratio of 12.5% is stronger than 77% of similarly sized banks, versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 2.09% return on assets. No consumer complaints against Farmers State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$159.0M
$100M–1B institution
Deposits
$137.7M
Branches
3
Capital ratio
12.5%
Top 23% of $100M–1B peers · Georgia median 10.5%
Return on assets
2.1%
Top 10% of $100M–1B peers · Georgia median 1.53%
Rank in Georgia
#24
of 124 banks

How Farmers State Bank compares to Georgia peers

Capital ratio
Top 23% of $100M–1B peers
Farmers State
12.5%
Georgia median
10.5%
Higher capital ratio = stronger financial cushion
Return on assets
Top 10% of $100M–1B peers
Farmers State
2.1%
Georgia median
1.5%
Higher ROA = more profitable relative to asset base

How we graded Farmers State Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (12.5% capital ratio)
  • Strongly profitable (ROA 2.09%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Farmers State Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (3)

  • 1620 Veterans Blvd, Dublin, GA 31021
  • 993 Burch St, Cadwell, GA 31009
  • 901 Hillcrest Pkwy, Dublin, GA 31021

Are deposits at Farmers State Bank insured?

Yes. Farmers State Bank is an FDIC-insured bank (FDIC certificate #19720). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Farmers State Bank: frequently asked questions

Is Farmers State Bank a good bank?

Farmers State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.5% capital ratio); Strongly profitable (ROA 2.09%).

Is Farmers State Bank FDIC-insured?

Yes. Farmers State Bank is a FDIC-insured bank (FDIC certificate #19720). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Farmers State Bank?

Farmers State Bank holds $159 million in total assets, ranking 24th of 124 banks we track in Georgia. It operates 3 branches.

Does Farmers State Bank have CFPB complaints?

No CFPB complaints against Farmers State Bank appear in our data over the analysis window, which is typical for a bank of this size.

Similar Banks

Family Bank
bank · Pelham, GA · $159M assets
Bank Of Dawson
bank · Dawson, GA · $160M assets
Moultrie Bank & Trust
bank · Moultrie, GA · $158M assets
Bank Of Monticello
bank · Monticello, GA · $160M assets
Bank Of Dade
bank · Trenton, GA · $161M assets
West Central Georgia Bank
bank · Thomaston, GA · $163M assets

Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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