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Farmers State Bank Lincolnton, GA

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Farmers State Bank Lincolnton, GA Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers State Bank Lincolnton, 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 and Verified: August 30, 2026

Farmers State Bank Lincolnton, GA rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Farmers State Bank Lincolnton, GA, and you can see how they compare in the Farmers State Bank Lincolnton, GA rate tables below. MonitorBankRates evaluates the financial stability of Farmers State Bank Lincolnton, GA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.86%. Database rates last updated and verified on 08/30/2026.

Farmers State Bank Lincolnton, 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 Farmers State Bank Lincolnton, GA? Share your experience about Farmers State Bank Lincolnton, GA by leaving a review below, or read customer reviews before you decide to use Farmers State Bank Lincolnton, GA.

Exceptional Health Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.86%

Excellent Lower than avg

Farmers State Bank

115 N Washington St
Lincolnton, GA 30817

https://farmersstateonline.com/

Current Rate Availability

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Farmers State Bank Lincolnton, 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 Farmers State Bank Lincolnton, 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 Farmers State Bank Lincolnton, GA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Farmers State Bank Lincolnton, GA

Bank Holding Company LINCOLN BANCSHARES INC

Address 115 N Washington St, Lincolnton, GA 30817 · Lincoln

Website https://farmersstateonline.com/

FDIC Certificate # 879

Established 12/02/1911

FDIC Insurance Date 01/01/1934

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.86%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.6754%

Return on Equity (ROE) 26.0300%

Non-Performing Loans (NPL) 0.09%

Total Assets $183,793,000

Total Deposits $159,050,000

Equity Capital $24,335,000

Net Income $5,340,000

Headquarters Lincolnton

Total Branches and Offices 3

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Farmers State Bank Lincolnton, GA earned the Exceptional Health badge

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Frequently Asked Questions About Farmers State Bank Lincolnton, GA

How many branches does Farmers State Bank Lincolnton, GA operate?

Farmers State Bank Lincolnton, GA currently maintains approximately 3 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, Farmers State Bank Lincolnton, 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, Farmers State Bank Lincolnton, GA provides members with tools to manage their accounts and build a solid financial history.

Does Farmers State Bank Lincolnton, GA offer online and mobile banking?

Most modern institutions like Farmers State Bank Lincolnton, 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://farmersstateonline.com/.