Headquartered in Eatonton, Georgia, Farmers & Merchants Bank is a state-chartered bank with $289.6M in total assets and $258.6M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1922.
Based on its Q2 2026 filing, Farmers & Merchants Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 99th. Its strongest component is problem-loan coverage (93/100; 3.4%), and its lowest is earnings (42/100; 0.55%).
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 (66 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 64 |
| Q4 2024 | 63 |
| Q1 2025 | 60 |
| Q2 2025 | 66 |
| Q3 2025 | 56 |
| Q4 2025 | 61 |
| Q1 2026 | 63 |
| Q2 2026 | 66 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.75% |
| Q3 2024 | 10.03% |
| Q4 2024 | 9.35% |
| Q1 2025 | 8.98% |
| Q2 2025 | 9.43% |
| Q3 2025 | 10.10% |
| Q4 2025 | 10.74% |
| Q1 2026 | 10.86% |
| Q2 2026 | 11.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.17% |
| Q3 2025 | 1.57% |
| Q4 2025 | 1.06% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.74% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $289.6M | 11.20% | 0.74% | 0.55% | 54.3% |
| Q1 2026 | 63 | $299.0M | 10.86% | 0.84% | 0.37% | 44.7% |
| Q4 2025 | 61 | $312.0M | 10.74% | 1.06% | 0.63% | 41.8% |
| Q3 2025 | 56 | $304.5M | 10.10% | 1.57% | 0.64% | 42.7% |
| Q2 2025 | 66 | $316.3M | 9.43% | 0.17% | 0.60% | 42.3% |
| Q1 2025 | 60 | $331.0M | 8.98% | 0.32% | 0.29% | 45.1% |
| Q4 2024 | 63 | $334.7M | 9.35% | 0.28% | 0.63% | 45.0% |
| Q3 2024 | 64 | $311.3M | 10.03% | 0.33% | 0.59% | 47.8% |
| Q2 2024 | 66 | $271.4M | 10.75% | 0.37% | 0.47% | 52.0% |
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 |
|---|---|---|---|---|---|
| Georgia First BankBank Soperton, GA | 75 out of 100, Strong | $290.8M | 9.5% | 0.07% | vs |
| Community Banking CompanyBank Fitzgerald, GA | 77 out of 100, Strong | $297.3M | 11.3% | 0.64% | vs |
| Durden Banking Company, IncorporatedBank Twin City, GA | 92 out of 100, Very strong | $299.2M | 16.2% | 0.11% | vs |
| First Federal Savings and Loan Association of ValdostaBank Valdosta, GA | 57 out of 100, Moderate | $278.5M | 12.3% | 1.79% | vs |
| The Claxton BankBank Bellville, GA | 50 out of 100, Below average | $304.8M | 12.6% | 2.51% | vs |
| Craft BankBank Atlanta, GA | 68 out of 100, Moderate | $305.9M | 13.8% | 1.61% | vs |
Deposit insurance
Is my money safe at Farmers & Merchants Bank?
Yes. Farmers & Merchants Bank is an FDIC-insured institution (FDIC certificate #9069). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.2% of deposits ($103.9M) 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 11.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.76% (benchmark: 10%).
2 locations
Branches
Farmers & Merchants Bank lists 2 offices in 1 city. Most locations:
- Eatonton, GA (2)
Identity & history
Profile
- Legal name
- Farmers & Merchants Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9069
- RSSD ID
- 64730
- Primary regulator
- FDIC
- Holding company
- Putnam-Greene Financial Corp
- Established
- November 15, 1922
- Headquarters
- 100 S Madison Ave, Eatonton, GA 31024
- Website
- www.ibankfmb.com
- Employees
- 34
Quick answers
Farmers & Merchants Bank: common questions
Is Farmers & Merchants Bank FDIC insured?
Yes. Farmers & Merchants Bank is an FDIC-insured institution (FDIC certificate #9069). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers & Merchants Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Farmers & Merchants Bank ever failed?
There is no failure record for FDIC certificate #9069 in the FDIC failed bank list.
How many branches does Farmers & Merchants Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Eatonton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cgr Credit UnionCredit union Macon, GA | 95 out of 100, Very strong | $120.0M | 22.2% | 0.52% | vs |
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| Century Bank and TrustBank Milledgeville, GA | 87 out of 100, Very strong | $490.7M | 11.8% | 0.07% | vs |
| Bank of MonticelloBank Monticello, GA | 83 out of 100, Strong | $158.0M | 14.5% | 1.06% | vs |