Farmers Bank, The
Greensboro, GA · Cert 5709 · Peer group: banks under $1B in assets in GA (n=58-59) · Putnam-Greene Financial Corp.
State charter, non-member · FDIC · 3 affiliate banks · 1 branch (7 in holding)
Q2 2026
$148.3MAssets
$96.3MLoans
$132.3MDeposits
$15.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in GA (rank 10 of 58).
- Widest gap: net interest margin trails 75% of banks under $1B in assets in GA (rank 44 of 59).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.19%
Rank 40 of 59
Net Interest Margin
3.79%
Rank 44 of 59
Efficiency Ratio
60.79%
Rank 32 of 59
Equity / Assets
10.25%
Rank 35 of 59
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 47% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.94% | 1.46% | 1.76% | Beats 32% | 40 / 59 | | |
| Return on Equity | 11.60% | 7.92% | 11.60% | 15.10% | Beats 49% | 30 / 59 | | |
| Net Interest Margin | 3.79% | 3.66% | 4.24% | 4.75% | Beats 25% | 44 / 59 | | |
| Efficiency Ratio | 60.79% | 51.87% | 60.25% | 70.24% | Beats 47% | 32 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.10% | 0.36% | 0.89% | Beats 84% | 10 / 58 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 10 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 18.25% | 11.93% | 15.65% | 21.05% | Beats 61% | 23 / 59 | | |
| Total Risk-Based Capital Ratio | 19.50% | 12.05% | 15.77% | 22.26% | Beats 61% | 23 / 59 | | |
| Equity / Assets | 10.25% | 9.10% | 11.51% | 14.32% | Beats 41% | 35 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.77% | 59.62% | 72.81% | 85.44% | 48th pctl | 30 / 58 | | |
| Loans / Assets | 64.93% | 49.55% | 64.39% | 73.73% | 53rd pctl | 28 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |