Branch Network
F&M Bank Locations & Branches Washington, Georgia
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F&M Bank operates 5 branches from its headquarters in Washington, GA, .
F&M Bank branch network
All 5 branches are in GEORGIA, across 4 cities. Washington, GA has the most of its branches, 2. Its largest office by deposits is its main office in Washington, GA, with $184.8M (51.8% of its branch deposits). It had the same number of branches on June 30, 2025.
F&M Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 14.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $419.9M
- Tier 1 leverage ratio, Q2 2026
- 14.93%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1950
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Washington, GA (2 branches) | 1 of 3 | 72.0% | $223.9M |
| State: GA (5 branches) | 72 of 177 | <0.1% | $356.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in Georgia.
Share by county and metro area
F&M Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Wilkes, GA (2 branches) | 1 of 3 | 72.0% | $223.9M | $311.1M |
| Columbia, GA (1 branch) | 13 of 16 | 1.6% | $56.3M | $3.52B |
| Lincoln, GA (1 branch) | 2 of 2 | 31.0% | $45.5M | $146.7M |
| Taliaferro, GA (1 branch) | 1 of 1 | 100.0% | $31.1M | $31.1M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Augusta-Richmond County, GA-SC (2 branches) | 18 of 25 | 0.8% | $101.8M | $12.86B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| F&M Bank (main office) | Washington, GA | 30673 | $184.8M |
| Martinez Branch | Martinez, GA | 30907 | $56.3M |
| Lincolnton Branch | Lincolnton, GA | 30817 | $45.5M |
| Downtown Branch | Washington, GA | 30673 | $39.1M |
| Crawfordville Branch | Crawfordville, GA | 30631 | $31.1M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 16897) · FFIEC NIC profile (RSSD 510330)