Featured Savings Rates
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F & M Bank and Trust Company

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
0.90%5-year CD5 Year CD
0.35%1-year CD1 Year CD
0.10%SavingsPassbook Savings

Overview / Commentary
706-846-8415
142 West Main Street
Manchester, GA 31816

F & M Bank and Trust Company is headquartered in Manchester and is the 158th largest bank in the state of Georgia. It is also the 4,727th largest bank in the nation. It was established in 1948 and as of September of 2016, it had grown to 22 employees at 1 location. F & M Bank and Trust Company has a C- health rating.

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Health
C-
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. F & M Bank and Trust Company has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #16916
Year Established1948
Employees22
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD20.62%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$82.6MM$82.5MM
LoansQ3 2016vs Q3 2015$52.4MM$52.0MM
DepositsQ3 2016vs Q3 2015$74.3MM$74.2MM
Equity CapitalQ3 2016vs Q3 2015$4.2MM$3.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$969.00K$1.2MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$2.6MM$2.9MM
Real Estate OwnedQ3 2016vs Q3 2015$4.2MM$4.3MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

F & M Bank and Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Christmas Club
0.10%--Passbook Minor
0.10%$100-Passbook Savings
0.10%$500-Passbook Non - Personal

F & M Bank and Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-Money Market
OTHER TIERS: 0.10% $2,500 - $25k | 0.15% $25k - $50k | 0.30% $50k - $100k
0.45%*$100k*-Business Money Market
OTHER TIERS: 0.10% $1,500 - $25k | 0.15% $25k - $50k | 0.30% $50k - $100k

F & M Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$1k-Business Interest Checking
0.10%$500-F & M Gold Checking
0.10%$500-F & M Silver Checking

F & M Bank and Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500-5 Year CD
0.70%$500-4 Year CD
0.60%$500-3 Year CD
0.45%$500-2 Year CD
0.35%$500-1 Year CD
0.35%$500-18 Month CD
0.20%$500-182 Day CD
0.10%$500-7 - 31 Day CD
0.10%$500-91 Day CD

F & M Bank and Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$100-5 Year IRA
0.70%$100-4 Year IRA
0.50%$100-3 Year IRA
0.45%$100-2 Year IRA
0.35%$100-12 Month IRA
0.35%$100-18 Month IRA
0.15%$100-182 Day IRA
Locations


F & M Bank and Trust Company Locations
F & M Bank and Trust Company142 West Main StreetManchester, GA 31816