Farmers State Bank is a bank based in Lincolnton, Georgia, established in 1911, with $189 million in total assets across 3 branches. By Trust Grade it ranks 58th of 124 banks we track in Georgia. Its capital ratio of 13.3% is stronger than 83% of similarly sized banks, versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 2.47% 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.
How Farmers State Bank compares to Georgia peers
How we graded Farmers State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.3% capital ratio)
- Strongly profitable (ROA 2.47%)
- 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)
- 209 E Court St, Washington, GA 30673
- 115 N Washington St, Lincolnton, GA 30817
- 1197 Washington Rd, Thomson, GA 30824
Are deposits at Farmers State Bank insured?
Yes. Farmers State Bank is an FDIC-insured bank (FDIC certificate #879). 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 (13.3% capital ratio); Strongly profitable (ROA 2.47%).
Is Farmers State Bank FDIC-insured?
Yes. Farmers State Bank is a FDIC-insured bank (FDIC certificate #879). 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 $189 million in total assets, ranking 58th 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
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.
