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BankSonar

Farmers & Merchants Bank

Eatonton, GA · State, non-member commercial bank

42

Sonar Score

Caution

out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$299M
Total deposits
$268.3M
Branches
2
Return on assets
0.37%
Return on equity
4.03%
Charter type
State, non-member commercial bank
Established
1922
FDIC cert #
9069

How the 42 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Thin profitability.

Return on equityweight 15%

Positive but moderate equity returns.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at Farmers & Merchants Bank

Farmers & Merchants Bank is an FDIC-insured institution (Cert #9069). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

2 branch locations

1011 Lake Oconee Pkwy

Eatonton, GA 31024

100 S Madison Ave

Eatonton, GA 31024

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