Farmers & Merchants Bank

Farmers & Merchants Bank is a currently active commercial lending specialization banking institution headquartered in Eatonton, Georgia. Established in 11/15/1922, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Farmers & Merchants Bank manages $299.0M in total assets and holds $268.3M in customer deposits. When evaluating the stability of Farmers & Merchants Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.56%, 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 0.37%, while its Return on Equity (ROE) sits at 4.03%. These metrics result in a moderate health score of 6.2 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.