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
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