FDIC Cert #16916 · Manchester, Georgia · Est. 1948

F & M Bank and Trust Company - FDIC Bank Health Profile

A community-scale look at F & M Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$90M
Total assets
A
Health grade · Excellent
3.18%
Return on assets
11.2%
Tier 1 capital

Data updated July 2026

The verdict

F & M Bank and Trust Company earns a PlainBankData health grade of A (85/100), with well-capitalized at 11.16% Tier 1, profitable at 3.18% ROA, efficient (57% cost ratio).

#3,811
largest of 4,313 FDIC banks by assets
12th
percentile by asset size, nationally
11.16%
Tier 1 ratio - above the 10% well-capitalized line
98th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 16916 · GA A · 85/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (85/100)
  • MID-PACK #1394/4307
  • PHOTO-FINISH CCB Community Bank · AL
  • TIER1-WELL 11.2% Tier 1
  • TEXAS-CLEAN 4.2% Texas
  • ROA-STRONG 3.18% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Georgia: CCB Community Bank, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around F & M Bank and Trust Company

Lowest and highest poles plus nearest scored peers outside Georgia, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Eastern Oregon · OR …85/100Bank of Wolcott · IN · near85/100CCB Community Bank · AL · ne…85/100F & M Bank and Trust… · GA ·…85/100Halstead Bank · KS · near85/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around F & M Bank and Trust Company · July 2026

Call Report read for F & M Bank and Trust Company in a high-failure state

F & M Bank and Trust Company (FDIC Cert #16916) carries a PlainBankData health grade of A at 85/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,394 of 4,307. Tier 1 capital prints at 11.16%, clearing the 10% well-capitalized line. The Texas Ratio is 4.23%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.18%. Balance-sheet scale is $90M, 3,811th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is CCB Community Bank (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around F & M Bank and Trust Company

94 FAILURE resolutions in Georgia since 2000, heavy vs the state corpus

F & M Bank and Trust Company sits in one of the heavier post-2000 FAILURE states (94 resolutions; latest year 2016). The list below is state history from the Failed Bank List, not a claim about F & M Bank and Trust Company's current Call Report.

  • THE WOODBURY BANKING COMPANY WOODBURY, GA 2016 → UNITED BANK
  • CAPITOL CITY BANK & TRUST COMPANY ATLANTA, GA 2015 → FIRST-CITIZENS BANK & TRUST COMPANY
  • THE BANK OF GEORGIA PEACHTREE CITY, GA 2015 → FIDELITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Georgia banks.

How F & M Bank and Trust Company's 85/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10085/100
F & M Bank and Trust Company's composite health score
Tier 1 Capital Ratio (11.16%) 28/40
Return on Assets (ROA) (3.18%) 25/25
Texas Ratio (4.23%) 20/20
Efficiency Ratio (56.66%) 12/15

85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$90M

Total balance-sheet footings

Total Deposits

$76M

Customer-funded liabilities

Net Loans

$63M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.76% 11.16% 12.56%
Basel III capital ratios - F & M Bank and Trust Company

Where F & M Bank and Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. F & M Bank and Trust Company's score of 85/100 falls in the highlighted band.

F & M Bank and Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

85 Top 32% higher than 68% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. F & M Bank and Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

F & M Bank and Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). F & M Bank and Trust Company's $90M falls in the highlighted band.

Capital & credit buffers at F & M Bank and Trust Company

Tier 1 capital ratio
Well-capitalized 10%

11.16% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.16%
Texas Ratio
4.23%
Equity Capital
$7M

What these ratios mean →

Earnings posture at F & M Bank and Trust Company

Return on Assets (ROA)
98th percentile nationally
3.18%
Return on Equity (ROE)
47.07%
Efficiency Ratio
56.66%

What these mean →

Income & expense at F & M Bank and Trust Company

$5M
Interest Income
$2M
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. F & M Bank and Trust Company reports a Texas Ratio of 4.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View F & M Bank and Trust Company on FDIC BankFind →

Top banks in Georgia by total assets

Largest banks headquartered in Georgia
  1. 1
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  2. 2
    RBC Bank, (Georgia) $8.0B

    Atlanta, GA · Grade A

  3. 3
    Metro City Bank $4.7B

    Doraville, GA · Grade A

  4. 4
    Colony Bank $3.7B

    Fitzgerald, GA · Grade B

  5. 5
    Georgia Banking Company $2.7B

    Atlanta, GA · Grade B

Top 5 banks in Georgia ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($90M here), outside Georgia so the neighborhood is not state containment.

Sanborn Savings Bank $90M · IA The Bank of Commerce $90M · LA Integrity Bank Plus $90M · MN The Stock Exchange Bank, Caldwell, Ka… $90M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) F & M Bank and Trust Company (FDIC Cert #16916) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

F & M Bank and Trust Company Call Report profile · FDIC Failed Bank List · Georgia FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Georgia

All Georgia banks →
BankAssetsGradeROA
Ameris BankAtlanta $27.4B A 1.64%
RBC Bank, (Georgia) National AssociationAtlanta $8.0B A 2.48%
Metro City BankDoraville $4.7B A 1.79%
Colony BankFitzgerald $3.7B B 0.92%
Georgia Banking CompanyAtlanta $2.7B B 0.96%
United BankZebulon $2.3B A 2.66%
Pinnacle BankElberton $2.3B B 1.29%
Queensborough National Bank & Trust CompanyLouisville $2.2B A 1.05%