BanksF&M BANK

F&M BANK

WASHINGTON, GASmallEst. March 14, 1950, midnightFDIC #16897RSSD #510330FDIC
Latest · 2025-12-31

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.

Assets
$419M
Deposits
$356M
Loans
$276M
Equity
$53M

Profitability

Return on Assets (ROA)1.50%
Return on Equity (ROE)11.66%
Net Interest Margin4.92%
Yield on Assets6.56%
Cost of Funds1.76%

Asset Quality

NPL Ratio0.09%
Net Charge-Off Ratio0.26%
Texas Ratio0.42%
NPA Ratio0.06%
ACL / Loans1.88%

Capital & Liquidity

CET1 Ratio12.78%
Tier 1 Capital12.78%
Total Capital Ratio13.42%
Leverage Ratio15.08%
Loan-to-Deposit77.53%

This is just the summary.

The full dashboard covers 4,287 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Peer benchmarking
Excel tearsheet exports
Risk & failure probability
Create free account

No credit card required