F & M Bank and Trust Company
Headquartered in Manchester, GA. Part of F & M Holding Company, Inc. FDIC certificate #16916 · Federal Reserve RSSD 937834.
Total assets
$89M
Deposits
$79M
Q1 2026
Active branches
1
Closings since Jan 2020
0
0 openings since Jan 2020
Financial snapshot — Q1 2026
All quarters →Net income (quarter)
$197K
Return on assets
0.88%
Return on equity
10.47%
Noncurrent loan rate
0.57%
Deposits by year (Summary of Deposits)
02019
02020
02021
02022
02023
02024
02025
Values in $ billions, June 30 of each year.
Branches by state
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.fmbankandtrust.com.