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F & M Bank And Trust Company
Manchester, GA · FDIC Certificate #16916 · Chartered 02/0
Total assets
$87.39M
Total deposits
$77.24M
Total equity
$7.79M
Net loans
$61.47M
Branches (offices)
1
Net income (YTD)
$390.00K
Rank: #3,771 of 4,213 U.S. banks by assets · #111 of 123 in Georgia. Assets changed 5.2% and deposits 2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.88% |
| Return on equity | 10.24% |
| Net interest margin (YTD) | 5.65% |
| Equity to assets | 8.91% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 13.3% |
| Noncurrent loans (share of loans) | 0.52% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 79.6% |
| Real estate loans (share of loans) | 85.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $52.61M | 85.6% | |
| Commercial & industrial | $5.04M | 8.2% | |
| Consumer / individual | $2.31M | 3.8% | |
| Construction & development | $9.14M | 14.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $83.15M | $80.03M | $84.00K | $2.92M |
| Jun 2023 | $76.13M | $72.80M | $231.00K | $3.00M |
| Jun 2024 | $80.67M | $76.44M | $319.00K | $3.71M |
| Jun 2025 | $83.09M | $75.73M | $451.00K | $4.96M |
| Jun 2026 | $87.39M | $77.24M | $390.00K | $7.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $77.24M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $77.24M.
Similar-sized banks
Basile State Bank ($87.44M) · First Security State Bank ($87.33M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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