B
Farmers & Merchants Bank
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers & Merchants Bank
Eatonton, GA
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Rating B
Asset Quality Index 8.10
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 2.50
Stability Index 5.40
Company Info Farmers & Merchants Bank
Eatonton, GA
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FDIC Number 9069
Phone Number (706) 485-9941
Website www.ibankfmb.com
Asset Quality Farmers & Merchants Bank
Eatonton, GA
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1-Year Asset Growth -8.44%
5-Year Asset Growth 7.01%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans -0.12%
Non-Performing Assets to Assets 0.36%
Non-Performing Loans to Capital 2.94%
Non-Performing Loans to Loans 0.72%
Balance Sheet Farmers & Merchants Bank
Eatonton, GA
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Total Assets 289.61M
Total Deposits 258.56M
Capital and Reserves Farmers & Merchants Bank
Eatonton, GA
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Capital 28.72M
Leverage Ratio 11.20
Loan Loss Reserves to Loans 1.49%
Risk-Based Capital Ratio 19.76
Liquidity Farmers & Merchants Bank
Eatonton, GA
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Hot Money Ratio 26.60%
Liquidity Ratio 23.70%
Profitability Farmers & Merchants Bank
Eatonton, GA
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5-Year Return on Average Assets 0.69%
Net Income 824.00K
Net Interest Spread 2.79%
Operating Profit to Average Assets 0.73%
Overhead Efficiency Ratio 72.89%
Return on Assets 0.54%
Return on Equity 5.80%