Farmers and Merchants Bank is a state-chartered bank headquartered in Sylvania, Georgia, in business for about 80 years. At the end of Q2 2026 it reported $170.7M in total assets and $145.6M in deposits, with 3 offices.
Farmers and Merchants Bank has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 3rd. Capital cushion contributes the most (100/100, 16.16%); funding & liquidity contributes the least (83/100, 40% loans-to-deposits, 31% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (95 → 96).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 92 |
| Q4 2024 | 93 |
| Q1 2025 | 94 |
| Q2 2025 | 95 |
| Q3 2025 | 96 |
| Q4 2025 | 95 |
| Q1 2026 | 95 |
| Q2 2026 | 96 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.66% |
| Q3 2024 | 14.19% |
| Q4 2024 | 14.70% |
| Q1 2025 | 14.92% |
| Q2 2025 | 15.48% |
| Q3 2025 | 15.46% |
| Q4 2025 | 15.68% |
| Q1 2026 | 15.61% |
| Q2 2026 | 16.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.33% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.21% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.94% |
| Q3 2024 | 1.95% |
| Q4 2024 | 1.94% |
| Q1 2025 | 1.92% |
| Q2 2025 | 2.05% |
| Q3 2025 | 2.10% |
| Q4 2025 | 2.03% |
| Q1 2026 | 1.96% |
| Q2 2026 | 2.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 96 | $170.7M | 16.16% | 0.21% | 2.05% | 40.1% |
| Q1 2026 | 95 | $172.1M | 15.61% | 0.21% | 1.96% | 42.0% |
| Q4 2025 | 95 | $172.8M | 15.68% | 0.25% | 2.03% | 43.4% |
| Q3 2025 | 96 | $159.8M | 15.46% | 0.28% | 2.10% | 45.5% |
| Q2 2025 | 95 | $168.8M | 15.48% | 0.33% | 2.05% | 39.4% |
| Q1 2025 | 94 | $168.9M | 14.92% | 0.25% | 1.92% | 38.7% |
| Q4 2024 | 93 | $169.9M | 14.70% | 0.27% | 1.94% | 36.3% |
| Q3 2024 | 92 | $160.9M | 14.19% | 0.38% | 1.95% | 35.7% |
| Q2 2024 | 93 | $163.0M | 14.66% | 0.32% | 1.94% | 34.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of DadeBank Trenton, GA | 79 out of 100, Strong | $162.3M | 9.4% | 0.25% | vs |
| Family BankBank Pelham, GA | 65 out of 100, Moderate | $162.0M | 14.1% | 2.21% | vs |
| West Central Georgia BankBank Thomaston, GA | 97 out of 100, Very strong | $160.4M | 22.2% | 0.04% | vs |
| Bank of DawsonBank Dawson, GA | 94 out of 100, Very strong | $159.9M | 18.2% | 0.22% | vs |
| Bank of MonticelloBank Monticello, GA | 83 out of 100, Strong | $158.0M | 14.5% | 1.06% | vs |
| Farmers State BankBank Dublin, GA | 90 out of 100, Very strong | $156.2M | 13.9% | 0.28% | vs |
Deposit insurance
Is my money safe at Farmers and Merchants Bank?
Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #16440). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.5% of deposits ($44.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Farmers and Merchants Bank lists 2 offices in 1 city. Most locations:
- Sylvania, GA (2)
Identity & history
Profile
- Legal name
- Farmers and Merchants Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16440
- RSSD ID
- 4231
- Primary regulator
- FDIC
- Holding company
- Screven Bancshares Inc
- Established
- March 1, 1946
- Headquarters
- 104 N Main St, Sylvania, GA 30467
- Website
- www.fmbanksylvania.com
- Employees
- 22
Quick answers
Farmers and Merchants Bank: common questions
Is Farmers and Merchants Bank FDIC insured?
Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #16440). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers and Merchants Bank's TellerScore?
96 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Farmers and Merchants Bank ever failed?
There is no failure record for FDIC certificate #16440 in the FDIC failed bank list.
How many branches does Farmers and Merchants Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Durden Banking Company, IncorporatedBank Twin City, GA | 92 out of 100, Very strong | $299.2M | 16.2% | 0.11% | vs |
| Palmetto State BankBank Hampton, SC | 88 out of 100, Very strong | $597.5M | 14.8% | 0.12% | vs |
| Srp Federal Credit UnionCredit union North Augusta, SC | 81 out of 100, Strong | $2.1B | 13.8% | 0.74% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |
| Bank of NewingtonBank Newington, GA | 69 out of 100, Moderate | $333.8M | 9.1% | 0.48% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |