Farmers and Merchants Bank
Lakeland, GA · State Bank, Not a Federal Reserve Member · Part of LOWNDES BANCSHARES INC
Summary
- Total assets: $862 million
- Total deposits: $785 million
- Total loans: $621 million
- Data as of June 30, 2026
Loan portfolio
Share of the bank's loans in each category.
| Construction & land | 21.4% |
| Multifamily | 1.8% |
| Owner-occupied commercial real estate | 13.9% |
| Non-owner-occupied commercial real estate | 14.6% |
| Residential | 21.7% |
| Commercial & industrial | 11.8% |
| Consumer & other | 15.0% |
Health indicators
- Tier 1 leverage ratio: 9.74%
- Total risk-based capital ratio: 0.00%
- Noncurrent loans: 1.86%
- Net charge-offs: 0.22%
- Return on assets: 1.63%
Local footprint
| County | Branches | Deposits |
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