This institution is no longer active

Operations ceased on December 8, 2001. CRA examination history below reflects the period it was active.

FARMERS AND MERCHANTS BANK

ADEL, GA · Supervised by FDIC

Est. 1948FDIC #16,672RSSD: FDIC-16672

Part ofPAB BANKSHARES INC→ View all charters

Outstanding Up

Current rating · Exam: November 1998

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.40%

Institution Profile

FDIC BankFind

Address

301 West Fourth Street, ADEL, GA

County

Cook County

Established

January 1, 1948

Total Assets

$59M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 1998

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 Q3 2001Call Report / FDIC

Total Assets

$59M

Total Deposits

$45M

Net Loans

$46M

Net Income

$636K

ROA

1.40%

Above avg for Small banks. Peer avg: 0.44%

ROE

15.63%

Risk-Based Capital

12.33%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.40%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.33%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 1998	Outstanding	Small Bank
Oct 1995	Satisfactory	Not Reported
Oct 1993	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/1c5de56d-09ea-4812-b21b-507d113f3854"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: