F & M Bank and Trust Company
Manchester, GA
IDRSSD: 937834
Total Assets
$90.41M
Latest filing
Total Deposits
$76.34M
Latest filing
Net Interest Margin
5.90%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
F & M Bank and Trust Company
142 W Main St
Manchester, GA 31816
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/02/1948FDIC Certificate 11000
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| F & M Bank and Trust Company (Main) | 142 W Main St | Manchester, GA | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/02/1948 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31816 |
| State and County Number | 13199 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Atlanta-Sandy Springs-Alpharetta, GA |
Operational Info
| Number of Employees | 21 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/15/1950 |
| Primary Insurance Agency | DIF |
| Website | www.fmbankandtrust.com |
| Data Updated | 01/30/2026 |
| CERT | 16916 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $90.41M |
| Total Deposits | $76.34M |
| Total Liabilities | $82.97M |
| Total Equity Capital | $7.44M |
| Net Income | $338.00k |
| Net Loans and Leases | $62.54M |
| Assets Per Employee ($Millions) | $4.11M |
| Bank Premises and Fixed Assets | $2.57M |
| Cash and Balances due from Depository Institutions | $8.96M |
| Deposits Held in Domestic Offices | $76.34M |
Key Performance Ratios
| Return on Assets (ROA) | 1.54% |
| Return on Equity (ROE) | 18.71% |
| Net Interest Margin | 5.9% |
| Efficiency Ratio | 73.24% |
| Tier 1 Risk-Based Capital Ratio | 11.158% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.225% |
| Earning Assets to total Assets | 83.78% |
Income and Expense
| Total Interest Income | $1.36M |
| Total Noninterest Income | $247.00k |
| Total Interest Expense | $288.00k |
| Total Noninterest Expense | $966.00k |
| Net Interest Income | $1.07M |
| Pre-tax Net Operating Income | $338.00k |
| Provision for Credit Losses | $15.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $4.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.63M |
| Total Liabilities and Capital | $90.41M |
Securities
| Securities | $5.04M |
| Available-for-sale debt securities | $5.04M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of F & M Bank and Trust Company?
$90.41M as of the latest filing.
How much are F & M Bank and Trust Company's total deposits?
$76.34M in total deposits.
Where is F & M Bank and Trust Company located?
Manchester, GA.
What is the Net Interest Margin?
5.90%.
How many domestic offices does it operate?
1.
When was it established?
02/02/1948.
What is the Return on Assets (ROA)?
1.54%.
How much are total loans and leases?
$62.54M (latest filing).
What is the total interest income (latest filing)?
$1.36M.