F & M Bank and Trust Company
Manchester, GA · Cert 16916 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · F&M Holding Co. Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$87.4MAssets
$62.2MLoans
$77.2MDeposits
$7.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 80% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 4 of 20).
- Widest gap: tier 1 capital ratio trails 95% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 19 of 20).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.89%
Rank 16 of 20
Net Interest Margin
4.75%
Rank 4 of 20
Efficiency Ratio
82.65%
Rank 18 of 20
Equity / Assets
8.91%
Rank 18 of 20
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 15% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 1.08% | 1.42% | 1.85% | Beats 20% | 16 / 20 | |
| Return on Equity | 10.01% | 9.57% | 13.48% | 17.30% | Beats 35% | 13 / 20 | |
| Net Interest Margin | 4.75% | 3.38% | 3.99% | 4.50% | Beats 80% | 4 / 20 | |
| Efficiency Ratio | 82.65% | 47.39% | 61.42% | 73.60% | Beats 15% | 18 / 20 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.05% | 0.79% | 1.63% | Beats 58% | 9 / 19 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 53% | 10 / 19 | |
| Capital |
| Tier 1 Capital Ratio | 11.85% | 13.64% | 16.79% | 19.57% | Beats 5% | 19 / 20 | |
| Total Risk-Based Capital Ratio | 12.84% | 14.77% | 17.61% | 20.82% | Beats 10% | 18 / 20 | |
| Equity / Assets | 8.91% | 9.66% | 10.94% | 13.62% | Beats 10% | 18 / 20 | |
| Liquidity & Funding |
| Loans / Deposits | 80.54% | 70.35% | 84.66% | 95.83% | 35th pctl | 13 / 20 | |
| Loans / Assets | 71.18% | 62.58% | 72.89% | 77.86% | 35th pctl | 13 / 20 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |