Farmers&Merchants Bank (FDIC #5716): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bank (FDIC Cert #5716): bank stress 63/100, elevated, STABLE over 7 days; parent LOWNDES BANCSHARES INC.
Farmers&Merchants Bank (#5716) lends in 5 counties across 1 state; Farmers&Merchants Bank (#5716) reaches 32 ZIP codes: Georgia 5 counties, 32 ZIPs.
Farmers&Merchants Bank (#5716) largest markets: Lowndes County, GA (22 branches, 11 ZIPs) (#5716), Rockdale County, GA (9 branches, 9 ZIPs) (#5716), Clinch County, GA (7 branches, 7 ZIPs) (#5716), Berrien County, GA (6 branches, 6 ZIPs) (#5716), Lanier County, GA (5 branches, 5 ZIPs) (#5716).
Farmers&Merchants Bank (#5716) reports $862.0 million in total assets; Farmers&Merchants Bank (#5716) equity $74.0 million (8.6% of Farmers&Merchants Bank (#5716) assets); Farmers&Merchants Bank (#5716) domestic deposits $784.7 million; Farmers&Merchants Bank (#5716) net income $6.6 million; Farmers&Merchants Bank (#5716) return on assets 1.63%; Farmers&Merchants Bank (#5716) return on equity 18.63%; Farmers&Merchants Bank (#5716) net interest income $18.7 million; Farmers&Merchants Bank (#5716) call report June 30, 2026.
Farmers&Merchants Bank (#5716) noncurrent real-estate loans 0.03% of its book; Farmers&Merchants Bank (#5716) residential -0.01%; Farmers&Merchants Bank (#5716) net charge-offs on real estate 1.67%; Farmers&Merchants Bank (#5716) residential charge-offs 2.69%.
Farmers&Merchants Bank (#5716) net interest margin 4.79% against an eight-quarter Farmers&Merchants Bank (#5716) average of 4.75% (Farmers&Merchants Bank (#5716) compression -0.04 points); Farmers&Merchants Bank (#5716) real-estate loans 3.1% of equity; Farmers&Merchants Bank (#5716) non-residential real estate 268.8% of equity; Farmers&Merchants Bank (#5716) rate-exposure score 40/100, Farmers&Merchants Bank (#5716) fixed-rate trap 40/100; Farmers&Merchants Bank (#5716) risk type credit driven; Farmers&Merchants Bank (#5716) rate regime rates elevated, Farmers&Merchants Bank (#5716) snapshot October 19, 2026.
Farmers&Merchants Bank (#5716) stress score moved from 61.5 on June 22, 2026 to 62.9 on October 19, 2026; Farmers&Merchants Bank (#5716) ranged 61.5 to 62.9 over 116 snapshots.
Farmers&Merchants Bank (#5716) alerts: 5 counties; top Farmers&Merchants Bank (#5716) alert scores: Conyers County, GA 21 (low); Homerville County, GA 21 (low); Lakeland County, GA 21 (low); Nashville County, GA 21 (low); Valdosta County, GA 21 (low).