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.

From Q2 2025 to Q2 2026, the score rose 11 points (47 → 58), mostly because the loan quality component improved by 30 points.

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

Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #5716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.5% of deposits ($200.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.74%, 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%).

Check how much of your own balance is covered

Farmers and Merchants Bank lists 5 offices in 5 cities. Most locations:

• Conyers, GA (1)
• Homerville, GA (1)
• Lakeland, GA (1)
• Nashville, GA (1)
• Valdosta, GA (1)

All branch addresses and map

In 2025, Farmers and Merchants Bank reported 346 home-loan applications under HMDA (LEI 549300ELFWNRX6MLE444): 301 originated ($41,785,000 total), 21 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Farmers and Merchants Bank

Type

State-chartered bank

FDIC certificate #

5716

RSSD ID

763930

Primary regulator

FDIC

Holding company

Lowndes Bancshares Inc

Established

January 1, 1907

Headquarters

4 N Carter St, Lakeland, GA 31635

Website

www.fmb.net

Employees

126