F & M Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
F & M Bank and Trust Company is an FDIC-insured commercial bank headquartered in Manchester, GA, established in 1948 (FDIC certificate 16916), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $87.4M, up 5.2% from Q2 2025, the 110th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 11.85% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16916
- Headquarters
- Manchester, GA
- Established
- 1948
- Total assets, Q2 2026
- $87.4M
- Assets vs Q2 2025
- +5.2%
- CET1 ratio, Q2 2026
- 11.85%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061112597
- Latest call report
- Q2 2026, FFIEC 051 · F & M Bank and Trust Company call report
- Holding company
- F & M HOLDING COMPANY, INC.
- Asset rank in state
- 110th of 121 in Georgia
F & M Bank and Trust Company earns an unusually wide margin on its lending. It reported $87 million in assets at June 30, 2026, up 5.2% from a year earlier. It keeps 5.21 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it holds common equity equal to 11.85% of its risk-weighted assets, about half the median of 22.08% for banks its size.
Net income for the quarter slipped 11% from a year earlier, to $193,000. Over the same year, loans grew 5.9% and deposits grew 2.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, 10.2 times the median of 26% for banks its size.
As of June 30, 2026, F & M Bank and Trust Company reported a CET1 capital ratio of 11.85%, a return on assets of 0.87%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 3.82%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, F & M Bank and Trust Company is the 110th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.0% to $87.4M, loans rose 7.1% and deposits fell 2.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 25.5% of total loans, ahead of 1-4 family residential loans at 18.6%. Its one office in the FDIC Summary of Deposits is in Manchester, GA. Judged on its Q2 2026 call report, F & M Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 142 W Main St, Manchester, GA 31816
- County
- Meriwether
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 2, 1948
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $77.2M
- Allowance for credit losses
- $736K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $88.7M
- Average total loans
- $58.3M
- Average interest-bearing deposits
- $52.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 15, 1950
- FDIC Cert
- 16916
- Fed RSSD
- 937834
- Website
- www.fmbankandtrust.com →
- Parent Holding Company
- F & M HOLDING COMPANY, INC. (RSSD 1129458)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, F & M Bank and Trust Company's total assets ran between $75.9M (Q4 2023) and $90.4M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$87.4M total assets against $83.1M; $79.6M total liabilities against $78.1M.
$61.5M net loans and leases against $58.1M; $77.2M total deposits against $75.7M.
$4.7M securities against $5.1M; $7.6M cash and balances due against $8.4M.
$1.3M total interest income against $1.2M; $243K total interest expense against $282K.
$1.1M net interest income against $951K.
$159K total noninterest income against $148K; $1.0M total noninterest expense against $867K.
$15K provision for credit losses against $15K.
$193K net income against $217K.
0.87% return on assets against 1.04%; 5.21% net interest margin against 5.34%.
11.85% CET1 capital ratio against 9.30%; 10.17% tier 1 leverage ratio against 7.68%.
Inside the full F & M Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
F & M Bank and Trust Company rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q2 2026) to 9.17% (Q3 2025) and its net interest margin ran from 4.94% (Q3 2025) to 5.78% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.85% | 0.87% | 0.52% | 3.82% | 5.21% |
| Q1 2026 | 13.09% | 0.88% | 0.57% | 4.01% | 5.17% |
| Q4 2025 | 11.16% | 1.56% | 0.54% | 4.23% | 5.46% |
| Q3 2025 | 12.37% | 9.17% | 0.61% | 4.58% | 4.94% |
| Q2 2025 | 9.30% | 1.04% | 0.62% | 6.43% | 5.34% |
| Q1 2025 | 9.45% | 1.14% | 0.65% | 6.89% | 5.30% |
| Q4 2024 | 8.71% | 1.84% | 1.00% | 11.57% | 5.78% |
| Q3 2024 | 8.72% | 1.09% | 1.06% | 12.49% | 5.08% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| F & M Bank and Trust Company (main office) | Manchester , GA | 31816 | $77.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, F & M HOLDING COMPANY, INC., not the bank itself
- May 31, 2011, Federal Reserve: Written Agreement: F & M Holding Company, Inc., Manchester, Georgia
- Period: Most recent institution action May 31, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 156 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $49K approved, $49K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about F & M Bank and Trust Company
What are F & M Bank and Trust Company's total assets?
As of the Q2 2026 filing, F & M Bank and Trust Company reported total assets of $87.4 million in its FFIEC call report.
Where is F & M Bank and Trust Company headquartered?
It is headquartered in Manchester, GA, United States.
When was F & M Bank and Trust Company founded?
It was established in 1948, per the FDIC institution directory.
Is F & M Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16916). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates F & M Bank and Trust Company?
F & M Bank and Trust Company's primary federal regulator is the FDIC.
What is F & M Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.85% in its Q2 2026 call report, above regulatory requirements.
How many branches does F & M Bank and Trust Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is F & M Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 3.82% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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