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BDI
FM

Farmers and Merchants Bank

Lakeland, GeorgiaFDIC Cert #5716

STATEEstablished 19076 branches

Holding company: LOWNDES BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$624M$560M
Q3 2021$613M$563M
Q4 2021$620M$575M
Q1 2022$635M$591M
Q2 2022$664M$621M
Q3 2022$643M$600M
Q4 2022$638M$594M
Q1 2023$645M$596M
Q2 2023$653M$603M
Q3 2023$647M$592M
Q4 2023$647M$587M
Q1 2024$675M$617M
Q2 2024$695M$620M
Q3 2024$690M$602M
Q4 2024$736M$677M
Q1 2025$745M$682M
Q2 2025$761M$696M
Q3 2025$754M$685M
Q4 2025$763M$673M
Q1 2026$801M$714M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$801M
+7.4%y/y
Percentile by value85th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$714M
+4.7%y/y
Percentile by value89th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Gross loans
$612M
+11.2%y/y
Percentile by value89th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$605M
+11.2%y/y
Percentile by value89th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Securities
$101M
−3.3%y/y
Percentile by value57th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICSC
Cash
$70.4M
−1.7%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICCHBAL
Liabilities
$730M
+6.5%y/y
Percentile by value86th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLIAB
Equity
$70.7M
+18.6%y/y
Peer standing74th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$9.31M
+4.6%y/y
Peer standing89th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NONII
NII
$8.82M
+5.3%y/y
Peer standing95th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM
Noninterest income
$496K
−6.4%y/y
Peer standing44th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII
Provision
$525K
+31.3%y/y
Percentile by value94th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICELNATR
Pretax income
$4.14M
+14.7%y/y
Peer standing93rd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC
Net income
$3.12M
+14.9%y/y
Peer standing88th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC