F&M BANK is an 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%. CET1 capital ratio: 12.78%, well above regulatory minimums. NPL ratio: 0.09% · Texas Ratio: 0.42%. Operates 5 domestic branches.
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