Farmers and Merchants Bank

Farmers and Merchants Bank is a currently active commercial lending specialization banking institution headquartered in Lakeland, Georgia. Established in 01/01/1907, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Farmers and Merchants Bank manages $800.6M in total assets and holds $713.9M in customer deposits. When evaluating the stability of Farmers and Merchants Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.84%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.59%, while its Return on Equity (ROE) sits at 17.98%. These robust metrics contribute to an overall health score of 9.5 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.