F&M Bank Lakeland, GA Rates and Review March 2026
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Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Rate Updates and AvailabilityF&M Bank Lakeland, GA money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at F&M Bank Lakeland, GA? Share your experience about F&M Bank Lakeland, GA by leaving a review below, or read customer reviews before you decide to use F&M Bank Lakeland, GA. F&M Bank Lakeland, GA Texas RatioF&M Bank Lakeland, GA's Texas Ratio is at 15.83%, which is considered good. The Texas Ratio for F&M Bank Lakeland, GA is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
4.9
Exceptional
Out of 5.0 Stars
F&M Bank Lakeland, GA has earned a Smart Rating of 4.9 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Overall, F&M Bank Lakeland, GA is a exceptional bank worth considering, with an overall rating of 4.9 stars out of 5 stars. Overall Health & Safety Grade
A-
Very Good Health
Score: 91/100
F&M Bank Lakeland, GA has earned an overall safety grade of A-. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/06/2026 
Current Rate AvailabilityWe do not have F&M Bank Lakeland, GA rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for F&M Bank Lakeland, GA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather F&M Bank Lakeland, GA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with F&M Bank Lakeland, GA's official website for the most current offers and terms.
Bank Profile & OverviewF&M Bank Lakeland, GA
4 N Carter StLakeland, GA 31635 Lanier Established Date: 01/01/1907 FDIC Certificate #: 5716 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: LOWNDES BANCSHARES INC How Many Domestic U.S. Offices? 6 How Many Branches are There? 6 Website: https://www.fmb.net
Is F&M Bank Lakeland, GA FDIC Insured? Yes
What is F&M Bank Lakeland, GA's Cert number? 5716
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsMonitorBankRates Star Rating:
4.9 / 5.0 ★
Overall Health & Safety Grade:
A- (91/100)
Texas Ratio:
15.83%
Return on Assets (ROA):
1.3564%
Return on Equity (ROE):
18.9200%
Non-Performing Loans (NPL):
0.95%
Total Assets:
$763,418,000
Total Deposits:
$672,905,000
Equity Capital:
$67,913,000
Net Income:
$11,650,000
Headquarters:
Lakeland
Regulator:
FDIC
# of Offices:
6
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsThere are no reviews for F&M Bank Lakeland, GA yet. Feel free to create one below.
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Frequently Asked Questions About F&M Bank Lakeland, GAHow do I open an account at F&M Bank Lakeland, GA?You can typically open an account at F&M Bank Lakeland, GA by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, F&M Bank Lakeland, GA provides a range of mortgage and home equity products. Is F&M Bank Lakeland, GA a safe place to deposit money?Yes, F&M Bank Lakeland, GA is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does F&M Bank Lakeland, GA offer online and mobile banking?Most modern institutions like F&M Bank Lakeland, GA provide digital access including online balance checks and transfers. Compare to other Banks |
You can compare F&M Bank Lakeland, GA rates to other rates in our database, including 12-month CD rates currently at 3.55%, 6-month CD rates at 1.00% and 3-month CD rates at 0.05%. Savings rates are at 0.50% and money market rates are at 0.02%. Mortgage rates on 30-year fixed loans are around 6.32%. All these rates, and more, can be found in our database of rates which you can compare to 
