F&M Bank
Washington, GA
IDRSSD: 510330
Total Assets
$395.97M
Latest filing
Total Deposits
$335.27M
Latest filing
Net Interest Margin
5.12%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
F&M Bank
911 E Robert Toombs Ave
Washington, GA 30673
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/14/1950FDIC Certificate 10984
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| F&M Bank (Main) | 911 E Robert Toombs Ave | Washington, GA |
| CRAWFORDVILLE BRANCH | 123 Broad Street | Crawfordville, GA |
| DOWNTOWN BRANCH | 201 E Robert Toombs Ave | Washington, GA |
| LINCOLNTON BRANCH | 317 S Washington St | Lincolnton, GA |
| MARTINEZ BRANCH | 3861 Evans To Locks Rd | Martinez, GA |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 03/14/1950 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30673 |
| State and County Number | 13317 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | N/A |
Operational Info
| Number of Employees | 68 |
| Domestic Offices | 5 |
| 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 | 03/14/1950 |
| Primary Insurance Agency | DIF |
| Website | http://www.fmbanknow.com |
| Data Updated | 11/14/2025 |
| CERT | 16897 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $395.97M |
| Total Deposits | $335.27M |
| Total Liabilities | $344.33M |
| Total Equity Capital | $51.63M |
| Net Income | $1.42M |
| Net Loans and Leases | $261.95M |
| Assets Per Employee ($Millions) | $5.74M |
| Bank Premises and Fixed Assets | $8.78M |
| Cash and Balances due from Depository Institutions | $7.93M |
| Deposits Held in Domestic Offices | $335.27M |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 11.42% |
| Net Interest Margin | 5.12% |
| Efficiency Ratio | 59.64% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.04% |
| Earning Assets to total Assets | 91.97% |
Income and Expense
| Total Interest Income | $6.07M |
| Total Noninterest Income | $386.00k |
| Total Interest Expense | $1.45M |
| Total Noninterest Expense | $2.98M |
| Net Interest Income | $4.62M |
| Pre-tax Net Operating Income | $1.81M |
| Provision for Credit Losses | $210.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $301.00k |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.06M |
| Total Liabilities and Capital | $395.97M |
Securities
| Securities | $98.63M |
| Available-for-sale debt securities | $98.63M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$395.97M as of the latest filing.
How much are F&M Bank's total deposits?
$335.27M in total deposits.
Where is F&M Bank located?
Washington, GA.
What is the Net Interest Margin?
5.12%.
How many domestic offices does it operate?
5.
When was it established?
03/14/1950.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$261.95M (latest filing).
What is the total interest income (latest filing)?
$6.07M.