Farmers and Merchants Bank
Headquarters: Lakeland, Georgia
Overview
Farmers and Merchants Bank is an FDIC-insured bank headquartered in Lakeland, Georgia. It reported $800.62M in assets and $713.94M in deposits for the period ending March 31, 2026. Bankular currently lists 6 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where Farmers and Merchants Bank has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of Farmers and Merchants Bank
Conyers Branch
2140 Old Covington Rd NE, Conyers, Georgia, 30013
Full-service branch · Opened February 25, 2008
Homerville Branch
Northwest U.S. 84 And Lakeview Drive, Homerville, Georgia, 31634
Full-service branch · Opened January 5, 2001
Main Office
4 N Carter St, Lakeland, Georgia, 31635
Full-service branch · Opened January 1, 1907
Nashville Branch
202 W Washington Ave, Nashville, Georgia, 31639
Full-service branch · Opened July 15, 1924
North Valdosta
3303 Inner Perimeter Rd, Valdosta, Georgia, 31602
Full-service branch · Opened December 31, 2007
South Valdosta
1201 S Patterson St, Valdosta, Georgia, 31601
Limited Service: Drive Thru/Detached Facility · Opened January 18, 2006
Address and directions →Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $800.62M | $713.94M | $604.90M | 1.59% |
| December 31, 2025 | $763.42M | $672.91M | $594.71M | 1.55% |
| September 30, 2025 | $754.49M | $685.40M | $556.62M | 1.58% |
| June 30, 2025 | $760.55M | $695.72M | $570.95M | 1.48% |
| March 31, 2025 | $745.19M | $682.05M | $544.00M | 1.46% |
| December 31, 2024 | $735.79M | $677.30M | $522.39M | 0.74% |
| September 30, 2024 | $690.24M | $601.91M | $514.83M | 1.28% |
| June 30, 2024 | $694.64M | $620.50M | $503.57M | 1.42% |
Size and reach
How this institution compares
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More on Farmers and Merchants Bank
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Branch locations
6 listed locations.
Explore →Compare this institution
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Explore →State banking market
Explore institutions and deposit-market context in Georgia.
Explore →Lakeland banking market
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Explore →Rankings and research
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Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is Farmers and Merchants Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 5716.
Where is Farmers and Merchants Bank headquartered?
Farmers and Merchants Bank is headquartered in Lakeland, Georgia, at 4 N Carter St, Lakeland, Georgia, 31635.
How large is Farmers and Merchants Bank?
It reported $800.62M in assets and $713.94M in deposits for the period ending March 31, 2026.
How many locations does Farmers and Merchants Bank have?
Bankular currently lists 6 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.