Home › Georgia › Farmers and Merchants Bank
Farmers and Merchants Bank
✓ FDIC-insured · Active FDIC Certificate #5716
Farmers and Merchants Bank is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Lakeland, Georgia, established in 1907. As of the 06/30/2026 FDIC call report, it reported $862M in total assets and $785M in deposits. FDIC location data lists 6 offices in Georgia. The FDIC classifies it as a community bank. It is owned by the holding company LOWNDES BANCSHARES INC (Valdosta, GA).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 6 of Farmers and Merchants Bank's FDIC-listed offices are in Georgia. Browse banks in Lakeland for other local options.
Branch locations
| Farmers and Merchants Bank Nashville Branch · Full Service - Brick And Mortar | 202 W Washington Ave Nashville, GA 31639 Map ↗ |
| Farmers and Merchants Bank Homerville Branch · Full Service - Brick And Mortar | Northwest U.S. 84 And Lakeview Drive Homerville, GA 31634 Map ↗ |
| Farmers and Merchants Bank Farmers And Merchants Bank · Full Service - Brick And Mortar | 4 N Carter St Lakeland, GA 31635 Map ↗ |
| Farmers and Merchants Bank South Valdosta Branch · Limited Service - Drive Thru/Detached Facility | 1201 S Patterson St Valdosta, GA 31601 Map ↗ |
| Farmers and Merchants Bank Conyers Branch · Full Service - Brick And Mortar | 2140 Old Covington Rd Ne Conyers, GA 30013 Map ↗ |
| Farmers and Merchants Bank North Valdosta Branch · Full Service - Brick And Mortar | 3303 Inner Perimeter Rd Valdosta, GA 31602 Map ↗ |
Holding company: LOWNDES BANCSHARES INC
The FDIC lists LOWNDES BANCSHARES INC, based in Valdosta, GA, as the top holding company for Farmers and Merchants Bank. It also owns 2 FDIC-insured banks:
- Commercial Banking Company, Valdosta, GA ($410M in assets)
- The Citizens National Bank of Quitman, Quitman, GA ($134M in assets)
FDIC deposit insurance applies separately to each insured bank charter, even when they share a holding company. Confirm the charter before you spread deposits.
Similar-size banks in Georgia
Active FDIC-insured banks headquartered in Georgia with total assets closest to Farmers and Merchants Bank's $862M. See all banks in Georgia.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| First American Bank and Trust Company | Athens | $902M | 8 |
| First Century Bank, National Association | Commerce | $832M | 2 |
| Barwick Banking Company | Barwick | $830M | 7 |
| PromiseOne Bank | Duluth | $812M | 10 |
| Citizens Trust Bank | Atlanta | $790M | 7 |
| First National Community Bank | Chatsworth | $755M | 11 |
| Oconee State Bank | Watkinsville | $744M | 7 |
| FNB SOUTH | Alma | $735M | 4 |
Farmers and Merchants Bank: common questions
Is Farmers and Merchants Bank FDIC-insured?
Yes. Farmers and Merchants Bank is an active FDIC-insured institution, FDIC Certificate #5716. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is Farmers and Merchants Bank headquartered?
Farmers and Merchants Bank is headquartered at 4 N Carter St, Lakeland, GA 31635, according to FDIC records.
How many branches does Farmers and Merchants Bank have?
FDIC location data lists 6 offices for Farmers and Merchants Bank, all in Georgia.
Who owns Farmers and Merchants Bank?
The FDIC lists LOWNDES BANCSHARES INC of Valdosta, GA as the top holding company for Farmers and Merchants Bank. The same holding company owns 2 other FDIC-insured banks.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.