F & M BANK AND TRUST COMPANY is amn micro FDIC-insured commercial bank headquartered in MANCHESTER, GA, established in Feb. 2, 1948, midnight. As of 2025-12-31, the bank reported total assets of $90M and total deposits of $76M. Profitability stands at 1.54% ROA and 18.71% ROE, with a net interest margin of 5.32%. The bank's CET1 capital ratio is 11.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.54% and a Texas Ratio of 4.23%. FDIC Certificate #16916.
Assets
$90M
Deposits
$76M
Loans
$63M
Equity
$7M
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