F&M BANK

WASHINGTON, GA | Small | Est. March 14, 1950, midnight | FDIC #16897 | RSSD #510330 | FDIC
Latest Report: 2025-12-31

F&M BANK is asn small FDIC-insured commercial bank headquartered in WASHINGTON, GA, established in March 14, 1950, midnight. As of 2025-12-31, the bank reported total assets of $419M and total deposits of $356M. Profitability stands at 1.50% ROA and 11.66% ROE, with a net interest margin of 4.92%. The bank's CET1 capital ratio is 12.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.42%. FDIC Certificate #16897.

Assets

$419M

Deposits

$356M

Loans

$276M

Equity

$53M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 11.66%
Net Interest Margin (NIM) 4.92%
Yield on Assets 6.56%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.26%
Texas Ratio 0.42%
NPA Ratio 0.06%
ACL / Loans 1.88%

Capital & Liquidity

CET1 Ratio 12.78%
Tier 1 Capital 12.78%
Total Capital Ratio 13.42%
Leverage Ratio 15.08%
Loan-to-Deposit 77.53%

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