C
Farmers & Merchants Bank
Rating Date
October 2025
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 C
Asset Quality Index 9.00
Capitalization Index 7.70
Liquidity Index 4.00
Profitability Index 3.40
Stability Index 5.00
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 16.54%
5-Year Asset Growth 15.26%
5-Year Charge-Offs to Average Loans -0.10%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.64%
Non-Performing Loans to Loans 0.17%
Balance Sheet Farmers & Merchants Bank
Eatonton, GA
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Total Assets 316.31M
Total Deposits 289.71M
Capital and Reserves Farmers & Merchants Bank
Eatonton, GA
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Capital 24.63M
Leverage Ratio 9.43
Loan Loss Reserves to Loans 1.64%
Risk-Based Capital Ratio 20.44
Liquidity Farmers & Merchants Bank
Eatonton, GA
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Hot Money Ratio 26.21%
Liquidity Ratio 33.30%
Profitability Farmers & Merchants Bank
Eatonton, GA
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5-Year Return on Average Assets 0.67%
Net Income 984.00K
Net Interest Spread 2.48%
Operating Profit to Average Assets 0.70%
Overhead Efficiency Ratio 70.55%
Return on Assets 0.58%
Return on Equity 8.40%