F & M BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 11.16%, well above regulatory minimums. NPL ratio: 0.54% · Texas Ratio: 4.23%. Operates 1 domestic branch.
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