Bank · FDIC insured
Farmers and Merchants Bank
A $862M bank headquartered in Lakeland, GA, with 6 branches in Georgia. Best rates: CDs 2.78% and savings 0.05% APY.
Farmers and Merchants Bank Carrot Score
60
Carrot Score
Higher than 1% of U.S. banks and credit unions
#8 of 9 in Valdosta, GA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers and Merchants Bank
- Headquarters
- 4 N Carter St, Lakeland, GA 31635
- FDIC certificate
- 5716 ↗
Branches
6 branches in Georgia
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Georgia
6 branches
Valdosta area · 3
- Farmers and Merchants BankMain office4 N Carter St, Lakeland, GA 31635Directions
- North Valdosta Branch3303 Inner Perimeter Rd, Valdosta, GA 31602Directions
- South Valdosta Branch1201 S Patterson St, Valdosta, GA 31601Directions
Atlanta area · 1
- Conyers Branch2140 Old Covington Rd Ne, Conyers, GA 30013Directions
Homerville area · 1
- Homerville BranchNorthwest U.S. 84 And Lakeview Drive, Homerville, GA 31634Directions
Nashville area · 1
- Nashville Branch202 W Washington Ave, Nashville, GA 31639Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.74% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.86% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.63% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $79 | $81 | — |
- CapitalLeverage ratio9.74%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.86%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.63%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$79Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers and Merchants Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.