F&M Bank
Washington, GA · Cert 16897 · Peer group: banks under $1B in assets in GA (n=58-59) · Washington Wilkes Holding Co.
State charter, non-member · FDIC · 5 branches
Q2 2026
$419.9MAssets
$281.0MLoans
$356.8MDeposits
$54.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 79% of banks under $1B in assets in GA (rank 14 of 58).
- Widest gap: total risk-based capital ratio trails 61% of banks under $1B in assets in GA (rank 36 of 59).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.41%
Rank 34 of 59
Net Interest Margin
4.37%
Rank 27 of 59
Efficiency Ratio
61.02%
Rank 34 of 59
Equity / Assets
12.96%
Rank 20 of 59
Non-interest income vs. expense
Unfavorable gap of $10.7M · efficiency ratio beats 44% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.94% | 1.46% | 1.76% | Beats 42% | 34 / 59 | | |
| Return on Equity | 10.86% | 7.92% | 11.60% | 15.10% | Beats 39% | 36 / 59 | | |
| Net Interest Margin | 4.37% | 3.66% | 4.24% | 4.75% | Beats 54% | 27 / 59 | | |
| Efficiency Ratio | 61.02% | 51.87% | 60.25% | 70.24% | Beats 44% | 34 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.10% | 0.36% | 0.89% | Beats 47% | 32 / 58 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 79% | 14 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 14.93% | 11.93% | 15.65% | 21.05% | Beats 46% | 32 / 59 | | |
| Total Risk-Based Capital Ratio | 14.93% | 12.05% | 15.77% | 22.26% | Beats 39% | 36 / 59 | | |
| Equity / Assets | 12.96% | 9.10% | 11.51% | 14.32% | Beats 66% | 20 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.77% | 59.62% | 72.81% | 85.44% | 59th pctl | 24 / 58 | | |
| Loans / Assets | 66.93% | 49.55% | 64.39% | 73.73% | 58th pctl | 25 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |