Overview / Commentary
142 West Main Street
Manchester, GA 31816

F & M Bank and Trust Company is headquartered in Manchester and is the 154th largest bank in the state of Georgia. It is also the 4,629th largest bank in the nation. It was established in 1948 and as of December of 2018, it had grown to 23 employees at 1 location. F & M Bank and Trust Company's money market rates are 2X the national average, but it has a C- health rating.


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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

FDIC Certificate #16916
Year Established1948
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.26%
Return on Equity - YTD-5.49%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$68.1MM$73.3MM
LoansQ4 2018vs Q4 2017$44.8MM$48.8MM
DepositsQ4 2018vs Q4 2017$60.3MM$62.6MM
Equity CapitalQ4 2018vs Q4 2017$3.3MM$3.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$519.00K$563.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$614.00K$1.0MM
Real Estate OwnedQ4 2018vs Q4 2017$2.2MM$2.5MM
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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

0.50%--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

0.90%--Money Market Special
0.45%*$100k*-Money Market
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.30% $50k - $100k
0.45%*$100k*-Business Money Market
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.30% $50k - $100k

F & M Bank and Trust Company Checking Account Rates

0.75%$2.5k-Business Platinum Checking
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

2.03%$2.5k-59 Month Jump CD Special
1.62%$2.5k-27 Month CD Special
1.59%$2.5k-25 Month CD Special
1.45%$2.5k-17 Month CD Special
1.38%$2.5k-13 Month CD Special
1.21%$500-5 Year CD
1.20%$2.5k-9 Month CD Special
1.06%$500-4 Year CD
1.00%$500-3 Year CD
0.85%$500-2 Year CD
0.75%$500-18 Month CD
0.70%$500-1 Year CD
0.55%$500-182 Day CD
0.25%$500-91 Day CD
0.10%$500-7-31 Day CD

F & M Bank and Trust Company IRA Rates

2.03%$2.5k-59 Month Jump IRA Special
1.62%$2.5k-27 Month IRA Special
1.59%$2.5k-25 Month IRA Special
1.45%$2.5k-17 Month IRA Special
1.38%$2.5k-13 Month IRA Special
1.21%$100-5 Year IRA
1.20%$2.5k-9 Month IRA Special
1.06%$100-4 Year IRA
1.00%$100-3 Year IRA
0.85%$100-2 Year IRA
0.75%$100-18 Month IRA
0.70%$100-12 Month IRA
0.55%$100-182 Day IRA

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

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