Farmers & Merchants Bank is a bank based in Eatonton, Georgia, established in 1922, with $299 million in total assets across 2 branches. By Trust Grade it ranks 106th of 124 banks we track in Georgia. Its capital ratio of 9.6% trails most similarly sized banks (40th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 0.37% return on assets. No consumer complaints against Farmers & Merchants Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Farmers & Merchants Bank compares to Georgia peers
How we graded Farmers & Merchants Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.6% capital ratio)
- Profitable (ROA 0.37%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers & Merchants Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 1011 Lake Oconee Pkwy, Eatonton, GA 31024
- 100 S Madison Ave, Eatonton, GA 31024
Are deposits at Farmers & Merchants Bank insured?
Yes. Farmers & Merchants Bank is an FDIC-insured bank (FDIC certificate #9069). 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 & Merchants Bank: frequently asked questions
Is Farmers & Merchants Bank a good bank?
Farmers & Merchants Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Strongly capitalized (9.6% capital ratio); Profitable (ROA 0.37%).
Is Farmers & Merchants Bank FDIC-insured?
Yes. Farmers & Merchants Bank is a FDIC-insured bank (FDIC certificate #9069). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers & Merchants Bank?
Farmers & Merchants Bank holds $299 million in total assets, ranking 106th of 124 banks we track in Georgia. It operates 2 branches.
Does Farmers & Merchants Bank have CFPB complaints?
No CFPB complaints against Farmers & Merchants Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
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.
