F&M Bank&Trust Co
Manchester, Georgia · FDIC Cert #16916
F&M Bank&Trust Co is an FDIC-insured bank (Certificate #16916) with $81M in total assets and $76M in total deposits as of the Q2 2024 Call Report. Headquartered in Manchester, Georgia, the bank maintains a Tier 1 capital ratio of 8.08% (Well-Capitalized) and a nonperforming loan ratio of 1.10%. BankHealthData assigns a composite Health Grade of C (59/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
F&M Bank&Trust Co (FDIC cert 16916) is a community bank — $81M in total assets, $76M in deposits, serving the Manchester, Georgia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 8.08% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.10% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 18.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.82% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. F&M Bank&Trust Co carries a composite BankHealth grade of C (59/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: F&M Bank&Trust Co
- Total Assets
- $81M
- Total Deposits
- $76M
- Tier 1 Capital Ratio
- 8.08%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.10%
- Liquidity Ratio
- 18.59%
- Return on Assets
- 0.82%
- Headquarters
- Manchester, Georgia
- FDIC Certificate
- #16916
- Health Grade
- C (59/100)
- Latest Call Report
- Q2 2024
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.
How F&M Bank&Trust Co Compares
F&M Bank&Trust Co’s Health Score of 59 is 17 points below the Georgia state average of 76 across 123 FDIC-insured banks. Its 8.08% Tier 1 capital ratio is 5.9 points below the US banking industry average near 14%. The 1.10% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.82% is below the national ROA benchmark of ~1.1%. Among 920 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, F&M Bank&Trust Co is 11 points below the portfolio average of 70.
Frequently Asked Questions
F&M Bank&Trust Co has a Bank Health Score of C (59/100), placing it in average financial health. 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. F&M Bank&Trust Co's Tier 1 capital ratio of 8.08% and nonperforming loan ratio of 1.10% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at F&M Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16916). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
F&M Bank&Trust Co holds $81M in total assets and $76M in total deposits. It is headquartered 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." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
F&M Bank&Trust Co's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.