About Us

Farmers & Merchants Bank was incorporated as a Georgia banking corporation on February 4, 1948 for the purpose of conducting a commercial banking business from Bulloch County, Georgia.

The Bank offers a full range of deposit services including checking accounts, savings accounts, and other time deposits of various types ranging from daily money market accounts to longer-term certificates of deposit. In addition, retirement accounts are insured by the Federal Deposit Insurance Corporation up to the maximum amount of $100,000.00. The Bank also offers a full range of short to medium-term commercial, agri-business and personal loans. Commercial loans include both secured and unsecured loans for working capital (including inventory and receivables), business expansion (including acquisition of real estate and improvements) and purchase of equipment and machinery. Consumer loans include secured and unsecured loans for financing automobiles, home improvements, education, and personal investments. The Bank also originates and holds fixed and variable mortgage loans and offers real estate construction and acquisition loans. The Bank offers merchant card services, including MasterCard and Visa services.

MISSION STATEMENT

Our mission is to build long-term shareholder value through balanced growth and profitability, providing a pleasant and enjoyable work environment that is conducive to longevity of employment and continued personal growth, and enhancing the quality of life in the communities we serve through active involvement by our directors, officers and staff.

* Farmers and Merchants Bank is not responsible in the event an error occurs regarding interest rates, terms, or information discussed in this web site.