Farmers State Bank is a state-chartered bank headquartered in Lincolnton, Georgia, in business for about 115 years. At the end of Q2 2026 it reported $186.2M in total assets and $160.3M in deposits, with 3 offices.
Based on its Q2 2026 filing, Farmers State Bank scores 97/100, which we describe as very strong. That is higher than 100% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 1st. Its strongest component is capital cushion (100/100; 15.44%), and its lowest is funding & liquidity (89/100; 55% loans-to-deposits, 25% 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 (97 → 97).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 98 |
| Q3 2024 | 97 |
| Q4 2024 | 95 |
| Q1 2025 | 95 |
| Q2 2025 | 97 |
| Q3 2025 | 97 |
| Q4 2025 | 96 |
| Q1 2026 | 97 |
| Q2 2026 | 97 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.71% |
| Q3 2024 | 15.86% |
| Q4 2024 | 14.40% |
| Q1 2025 | 14.66% |
| Q2 2025 | 15.10% |
| Q3 2025 | 16.01% |
| Q4 2025 | 15.45% |
| Q1 2026 | 15.91% |
| Q2 2026 | 15.44% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.17% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.63% |
| Q3 2024 | 2.50% |
| Q4 2024 | 2.41% |
| Q1 2025 | 2.71% |
| Q2 2025 | 2.79% |
| Q3 2025 | 2.86% |
| Q4 2025 | 2.90% |
| Q1 2026 | 2.47% |
| Q2 2026 | 2.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 97 | $186.2M | 15.44% | 0.17% | 2.67% | 54.7% |
| Q1 2026 | 97 | $188.6M | 15.91% | 0.13% | 2.47% | 51.3% |
| Q4 2025 | 96 | $183.8M | 15.45% | 0.26% | 2.90% | 53.3% |
| Q3 2025 | 97 | $180.8M | 16.01% | 0.22% | 2.86% | 53.7% |
| Q2 2025 | 97 | $184.0M | 15.10% | 0.14% | 2.79% | 52.0% |
| Q1 2025 | 95 | $189.0M | 14.66% | 0.15% | 2.71% | 48.7% |
| Q4 2024 | 95 | $184.7M | 14.40% | 0.14% | 2.41% | 49.0% |
| Q3 2024 | 97 | $175.3M | 15.86% | 0.21% | 2.50% | 54.3% |
| Q2 2024 | 98 | $170.7M | 15.71% | 0.16% | 2.63% | 54.0% |
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 |
|---|---|---|---|---|---|
| Bank of CamillaBank Camilla, GA | 89 out of 100, Very strong | $188.1M | 20.8% | 0.37% | vs |
| The Geo. D. Warthen BankBank Sandersville, GA | 73 out of 100, Strong | $190.3M | 13.0% | 1.27% | vs |
| Peoples BankBank Lyons, GA | 49 out of 100, Below average | $192.4M | 11.2% | 5.12% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| The Citizens Bank of CochranBank Cochran, GA | 90 out of 100, Very strong | $201.4M | 14.8% | 0.33% | vs |
| Farmers and Merchants BankBank Sylvania, GA | 96 out of 100, Very strong | $170.7M | 16.2% | 0.21% | vs |
Deposit insurance
Is my money safe at Farmers State Bank?
Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.0% of deposits ($40.1M) 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 15.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 32.91% (benchmark: 10%).
3 locations
Branches
Farmers State Bank lists 3 offices in 3 cities. Most locations:
- Lincolnton, GA (1)
- Thomson, GA (1)
- Washington, GA (1)
HMDA 2025
Mortgage lending
In 2025, Farmers State Bank reported 46 home-loan applications under HMDA (LEI 549300JSUQDCL7JTGH46): 44 originated ($9,470,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, 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.
Identity & history
Profile
- Legal name
- Farmers State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 879
- RSSD ID
- 773032
- Primary regulator
- FDIC
- Holding company
- Lincoln Bancshares Inc
- Established
- December 2, 1911
- Headquarters
- 115 N Washington St, Lincolnton, GA 30817
- Website
- farmersstateonline.com
- Employees
- 33
Quick answers
Farmers State Bank: common questions
Is Farmers State Bank FDIC insured?
Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #879). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers State Bank's TellerScore?
97 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 State Bank ever failed?
There is no failure record for FDIC certificate #879 in the FDIC failed bank list.
How many branches does Farmers State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lincolnton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| F&M BankBank Washington, GA | 88 out of 100, Very strong | $419.9M | 14.9% | 0.38% | vs |
| Srp Federal Credit UnionCredit union North Augusta, SC | 81 out of 100, Strong | $2.1B | 13.8% | 0.74% | vs |
| Associated Credit UnionCredit union Norcross, GA | 77 out of 100, Strong | $2.5B | 13.0% | 0.30% | vs |
| First State BankBank Wrens, GA | 77 out of 100, Strong | $512.7M | 10.5% | 0.32% | vs |
| First Community BankBank Lexington, SC | 71 out of 100, Strong | $2.4B | 9.3% | 0.05% | vs |
| Security Federal BankBank Aiken, SC | 69 out of 100, Moderate | $1.5B | 10.8% | 0.85% | vs |