| Weiss Ratings |
Farmers & Merchants Bank
Lakeland, GA |
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| Rating | ||||
| Asset Quality Index | 3.30 | |||
| Capitalization Index | 7.80 | |||
| Liquidity Index | 0.60 | |||
| Profitability Index | 7.70 | |||
| Stability Index | 5.30 | |||
| Company Info |
Farmers & Merchants Bank
Lakeland, GA |
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| FDIC Number | 5716 | |||
| Phone Number | (229) 482-3585 | |||
| Website | fmb.net | |||
| Asset Quality |
Farmers & Merchants Bank
Lakeland, GA |
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| 1-Year Asset Growth | 9.31% | |||
| 5-Year Asset Growth | 9.61% | |||
| 5-Year Charge-Offs to Average Loans | 0.36% | |||
| Charge-Offs to Average Loans | 0.31% | |||
| Non-Performing Assets to Assets | 1.48% | |||
| Non-Performing Loans to Capital | 12.31% | |||
| Non-Performing Loans to Loans | 1.91% | |||
| Balance Sheet |
Farmers & Merchants Bank
Lakeland, GA |
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| Total Assets | 754.49M | |||
| Total Deposits | 685.40M | |||
| Capital and Reserves |
Farmers & Merchants Bank
Lakeland, GA |
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| Capital | 64.67M | |||
| Leverage Ratio | 9.56 | |||
| Loan Loss Reserves to Loans | 1.27% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Farmers & Merchants Bank
Lakeland, GA |
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| Hot Money Ratio | 43.57% | |||
| Liquidity Ratio | 13.73% | |||
| Profitability |
Farmers & Merchants Bank
Lakeland, GA |
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| 5-Year Return on Average Assets | 0.85% | |||
| Net Income | 8.85M | |||
| Net Interest Spread | 4.63% | |||
| Operating Profit to Average Assets | 2.06% | |||
| Overhead Efficiency Ratio | 52.16% | |||
| Return on Assets | 1.55% | |||
| Return on Equity | 19.47% | |||