Farmers and Merchants Bank
Total assets
$862.0M
▲ +13.3% YoY
Deposits
$784.7M
▲ +12.8% YoY
Loans
$613.1M
▲ +7.4% YoY
Offices
6
LOWNDES BANCSHARES INC
ROA (annualized)
1.63%
peers 1.28%
ROE (annualized)
18.63%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.3% | +4.9% | +8.4 pts |
| Deposit growth (YoY) | +12.8% | +4.3% | +8.5 pts |
| Loan growth (YoY) | +7.4% | +5.3% | +2.0 pts |
| ROA | 1.63% | 1.28% | +0.4 pts |
| ROE | 18.6% | 12.4% | +6.2 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
Profile
- Established
- 1907
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- LOWNDES BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 4 N Carter St, Lakeland, GA, 31635
- County
- Lanier
- Metro area
- Valdosta, GA
- Offices
- 6
- FDIC cert #
- 5716
- RSSD ID
- 763930
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $862.0M | $784.7M | $613.1M | $74.0M | $6.6M | 1.63% | 4.79% | 1.54% |
| Q1 2026 | $800.6M | $713.9M | $604.9M | $70.7M | $3.1M | 1.59% | 4.69% | 1.92% |
| Q4 2025 | $763.4M | $672.9M | $594.7M | $67.9M | $11.7M | 1.55% | 4.76% | 1.62% |
| Q3 2025 | $754.5M | $685.4M | $556.6M | $64.7M | $8.8M | 1.58% | 4.73% | 1.48% |
| Q2 2025 | $760.5M | $695.7M | $571.0M | $62.0M | $5.5M | 1.48% | 4.81% | 2.21% |
| Q1 2025 | $745.2M | $682.0M | $544.0M | $59.7M | $2.7M | 1.46% | 4.72% | 2.35% |
| Q4 2024 | $735.8M | $677.3M | $522.4M | $55.5M | $5.1M | 0.74% | 4.66% | 2.31% |
| Q3 2024 | $690.2M | $601.9M | $514.8M | $59.7M | $6.5M | 1.28% | 4.83% | 2.24% |
Loan mix (Q2 2026): real estate $501.4M · commercial $73.0M · consumer $29.1M · securities $99.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.28% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 12.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.89% | 90th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.1% | 61.2% | 14th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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