F & M Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks F & M Bank and Trust Company of Manchester, GA against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.87% | 3.33% | -2.46% | 42nd below |
| ROAE | 10.02% | 8.28% | +1.74% | 59th above |
| Net Interest Margin | 5.21% | 3.92% | +1.29% | 91st top |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 82.49% | 84.47% | -1.98% | 26th below |
| PPNR / Avg Assets | 0.94% | 1.56% | -0.62% | 37th below |
| Yield on Earning Assets | 6.41% | 5.24% | +1.17% | 87th top |
| Cost of Funds | 1.25% | 1.67% | -0.42% | 67th above |
| Net Interest Spread | 4.58% | 3.30% | +1.28% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.82% | 1.42% | -0.60% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.58% | 0.71% | -0.13% | 29th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.18% | 1.53% | -0.35% | 45th below |
| ACL / NPLs (Coverage) | 145.17% | 723.00% | -577.83% | 48th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.95% | 8.56% | -2.61% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.85% | 127.10% | -115.25% | 7th bottom |
| Tier 1 Ratio | 11.85% | 127.12% | -115.27% | 7th bottom |
| Total Capital Ratio | 12.84% | 128.00% | -115.16% | 8th bottom |
| Leverage Ratio | 10.17% | 22.10% | -11.93% | 20th bottom |
| Equity / Assets | 8.91% | 20.74% | -11.83% | 16th bottom |
| TCE / Tangible Assets | 8.91% | 20.49% | -11.58% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.54% | 74.25% | +6.29% | 30th below |
| Core Deposit Ratio | 96.39% | 88.29% | +8.10% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.18% | 3.82% | +1.36% | 64th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.91% | 6.85% | -0.94% | 64th above |
| Deposit Growth (Y/Y) | 1.99% | 2.98% | -0.99% | 49th below |
See F & M Bank and Trust Company's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock F & M Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full F & M Bank and Trust Company profile, how to read a UBPR, or how this data updates.