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Farmers State Bank
Lincolnton, GA · FDIC Certificate #879 · Chartered 12/0
Total assets
$186.21M
Total deposits
$160.30M
Total equity
$24.96M
Net loans
$87.71M
Branches (offices)
3
Net income (YTD)
$2.49M
Rank: #3,073 of 4,213 U.S. banks by assets · #94 of 123 in Georgia. Assets changed 1.2% and deposits -0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.67% |
| Return on equity | 20.07% |
| Net interest margin (YTD) | 5.39% |
| Equity to assets | 13.40% |
| Tier 1 leverage ratio | 15.44% |
| Uninsured deposits (share of deposits) | 25.0% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | 0.15% |
| Loans to deposits | 54.7% |
| Real estate loans (share of loans) | 82.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $72.33M | 82.5% | |
| Commercial & industrial | $7.84M | 8.9% | |
| Consumer / individual | $8.72M | 9.9% | |
| Construction & development | $7.05M | 8.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $175.55M | $157.12M | $1.07M | $17.50M |
| Jun 2023 | $175.69M | $155.73M | $2.27M | $19.00M |
| Jun 2024 | $170.74M | $147.59M | $2.27M | $21.96M |
| Jun 2025 | $183.99M | $160.73M | $2.59M | $22.30M |
| Jun 2026 | $186.21M | $160.30M | $2.49M | $24.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $160.30M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $160.30M.
Similar-sized banks
Liberty Trust & Savings Bank ($186.22M) · Citizens Federal Savings And Loan Association ($186.14M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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