Farmers & Merchants Bank
Lakeland, GA · Cert 5716 · Peer group: banks under $1B in assets in GA (n=58-59) · Lowndes Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 6 branches (12 in holding)
Q2 2026
$862.0MAssets
$620.8MLoans
$784.7MDeposits
$74.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 92% of banks under $1B in assets in GA (rank 5 of 59).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in GA (rank 57 of 59).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.53%
Rank 25 of 59
Net Interest Margin
4.42%
Rank 25 of 59
Efficiency Ratio
48.07%
Rank 9 of 59
Equity / Assets
8.58%
Rank 51 of 59
Non-interest income vs. expense
Unfavorable gap of $16.9M · efficiency ratio beats 86% 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 | 1.53% | 0.94% | 1.46% | 1.76% | Beats 58% | 25 / 59 | | |
| Return on Equity | 17.85% | 7.92% | 11.60% | 15.10% | Beats 92% | 5 / 59 | | |
| Net Interest Margin | 4.42% | 3.66% | 4.24% | 4.75% | Beats 58% | 25 / 59 | | |
| Efficiency Ratio | 48.07% | 51.87% | 60.25% | 70.24% | Beats 86% | 9 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.86% | 0.10% | 0.36% | 0.89% | Beats 12% | 52 / 58 | | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.02% | 0.05% | Beats 10% | 53 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 9.74% | 11.93% | 15.65% | 21.05% | Beats 3% | 57 / 59 | | |
| Total Risk-Based Capital Ratio | 9.74% | 12.05% | 15.77% | 22.26% | Beats 3% | 57 / 59 | | |
| Equity / Assets | 8.58% | 9.10% | 11.51% | 14.32% | Beats 14% | 51 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.12% | 59.62% | 72.81% | 85.44% | 60th pctl | 23 / 58 | | |
| Loans / Assets | 72.03% | 49.55% | 64.39% | 73.73% | 73rd pctl | 16 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |