Bankgraph
FDIC data through Q2 ʼ26
Institutions /

Farmers and Merchants Bank

Lakeland, GA FDIC 5716 FDIC Lowndes Bancshares Inc Asset group $300M – $1B 6 offices · 126 employees Filed Q2 2026
Assets
$862.0M
Deposits
$784.7M
ROA
1.63%
ROE
18.63%
NIM
4.79%
Efficiency
48.07%
Total capital
0.00%
Noncurrent loans
1.86%
Loans / deposits
78.14%

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