The Farmers Bank: how it compares with its peers
Against 48 GA banks with half to twice its assets, The Farmers Bank's strongest measure in Q2 2026 is assets per employee ($9.3M vs. a $6.2M peer median). Its weakest relative measure is net interest margin (3.81% vs. 4.36%).
| Measure | The Farmers Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.04% | 1.45% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 4.36% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.79% | 62.65% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $6.2M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.78% | 68.54% | Context |
What it means for lending operations
Its efficiency ratio of 60.79% is better than the 62.65% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Merchants & Citizens Bank Mcrae, GA · $146M
- Moultrie Bank & Trust Moultrie, GA · $151M
- Farmers State Bank Dublin, GA · $156M
- Planters and Citizens Bank Camilla, GA · $139M
- Bank of Monticello Monticello, GA · $158M
Questions about The Farmers Bank
How big is The Farmers Bank?
The Farmers Bank, established in 1911, is headquartered in Greensboro, GA. It reported $148M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Farmers Bank's return on assets?
1.04% annualized in Q2 2026, against a 1.45% median for 48 GA banks with half to twice its assets, ahead of 33% of them.
What is The Farmers Bank's efficiency ratio?
60.79% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 62.65%, and lower is better.
Is The Farmers Bank growing its loans?
Net loans shrank 2.9% over the year to Q2 2026, while deposits shrank 16.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.