Farmers and Merchants Bank (F&M Bank) - Georgia

Farmers and Merchants Bank is a community-focused financial institution serving South Georgia and the Atlanta metro area. With approximately $754 million in total assets and six branch locations, the bank specializes in personal banking, commercial lending, and agricultural financing. As a Preferred Lender with both the U.S. Small Business Administration (SBA) and the U.S. Department of Agriculture (USDA), F&M Bank plays a vital role in supporting small businesses, rural communities, and not-for-profit organizations throughout its service area.

The bank operates under the parent company FMB Bancshares, Inc. and maintains a strong commitment to local decision-making and community development.