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F&M Bank Lakeland, GA

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F&M Bank Lakeland, GA Rates & Review May 2026

Q: How many branches does F&M Bank Lakeland, GA operate?

F&M Bank Lakeland, GA currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, F&M Bank Lakeland, GA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank Lakeland, GA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 26, 2026

You can compare F&M Bank Lakeland, GA rates to other rates in our database, including 12-month CD rates currently at 3.90%, 6-month CD rates at 0.20% and 3-month CD rates at 3.00%. Savings rates are at 0.25% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 6.02%. All these rates can be compared to F&M Bank Lakeland, GA rates. MonitorBankRates evaluates the financial stability of F&M Bank Lakeland, GA with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.83%. Rates were last updated on 05/26/2026.

F&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.

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

15.83%

Good Higher than avg

F&M Bank Lakeland, GA

4 N Carter St
Lakeland, GA 31635

https://www.fmb.net

Current Rate Availability

We 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 Sources

MonitorBankRates 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 & Overview

Institution Name F&M Bank Lakeland, GA

Bank Holding Company LOWNDES BANCSHARES INC

Address 4 N Carter St, Lakeland, GA 31635 · Lanier

Website https://www.fmb.net

FDIC Certificate # 5716

Established 01/01/1907

FDIC Insurance Date 01/01/1934

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

4.9

Exceptional Out of 5.0 Stars

15.83%

Texas Ratio Nat'l avg: 5.85%

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

Total Offices 6

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About F&M Bank Lakeland, GA

How many branches does F&M Bank Lakeland, GA operate?

F&M Bank Lakeland, GA currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, F&M Bank Lakeland, GA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, F&M Bank Lakeland, GA provides members with tools to manage their accounts and build a solid financial history.

Does F&M Bank Lakeland, GA offer online and mobile banking?

Most modern institutions like F&M Bank Lakeland, GA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fmb.net.