F&M BANK&TRUST CO
MANCHESTER, GEORGIA · FDIC Cert #16916
Capital & Safety Analysis
According to FDIC financial data, F&M BANK&TRUST CO holds a Tier 1 capital ratio of 8.08%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning F&M BANK&TRUST CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
F&M BANK&TRUST CO shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
F&M BANK&TRUST CO has a Bank Health Score of C (59/100). It holds a Tier 1 capital ratio of 8.08%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
F&M BANK&TRUST CO holds $81M in total assets and $76M in total deposits. It is located in MANCHESTER, GEORGIA (FDIC Certificate #16916).
F&M BANK&TRUST CO has a Tier 1 capital ratio of 8.08%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.10%, and the return on assets is 0.82%.
Yes. F&M BANK&TRUST CO is FDIC-insured (Certificate #16916). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.