Farmers And Merchants Bank is a bank based in Lakeland, Georgia, established in 1907, with $801 million in total assets across 6 branches. By Trust Grade it ranks 81st of 124 banks we track in Georgia. Its capital ratio of 8.8% trails most similarly sized banks (27th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 1.59% return on assets. No consumer complaints against Farmers And 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 And Merchants Bank compares to Georgia peers
How we graded Farmers And Merchants Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.8% capital ratio)
- Strongly profitable (ROA 1.59%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers And Merchants Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 202 W Washington Ave, Nashville, GA 31639
- Northwest U.S. 84 And Lakeview Drive, Homerville, GA 31634
- 4 N Carter St, Lakeland, GA 31635
- 1201 S Patterson St, Valdosta, GA 31601
- 2140 Old Covington Rd Ne, Conyers, GA 30013
- 3303 Inner Perimeter Rd, Valdosta, GA 31602
Are deposits at Farmers And Merchants Bank insured?
Yes. Farmers And Merchants Bank is an FDIC-insured bank (FDIC certificate #5716). 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 And Merchants Bank: frequently asked questions
Is Farmers And Merchants Bank a good bank?
Farmers And Merchants Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Well-capitalized (8.8% capital ratio); Strongly profitable (ROA 1.59%).
Is Farmers And Merchants Bank FDIC-insured?
Yes. Farmers And Merchants Bank is a FDIC-insured bank (FDIC certificate #5716). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers And Merchants Bank?
Farmers And Merchants Bank holds $801 million in total assets, ranking 81st of 124 banks we track in Georgia. It operates 6 branches.
Does Farmers And Merchants Bank have CFPB complaints?
No CFPB complaints against Farmers And 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.
