🏦Bank Scorer

FARMERS AND MERCHANTS BANK

SYLVANIA, GA · Supervised by FDIC

Est. 1946FDIC #16,440RSSD: FDIC-16440
Part ofSCREVEN BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.96%

Institution Profile

FDIC BankFind

Address

104 N Main St, SYLVANIA, GA

County

Screven County

Established

March 1, 1946

Total Assets

$172M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$172M

Total Deposits

$148M

Net Loans

$62M

Net Income

$847K

ROA

1.96%

ROE

14.42%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$146M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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