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Overview / Commentary
142 West Main Street
Manchester, GA 31816

F & M Bank and Trust Company is headquartered in Manchester and is the 157th largest bank in the state of Georgia. It is also the 4,675th largest bank in the nation. It was established in 1948 and as of March of 2017, it had grown to 23 employees at 1 location. F & M Bank and Trust Company has a D 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, and a negative return on equity.

Health Grade Components

FDIC Certificate #16916
Year Established1948
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.59%
Return on Equity - YTD-11.79%
Annual Interest Income$738.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$81.5MM$81.2MM
LoansQ1 2017vs Q1 2016$49.9MM$49.6MM
DepositsQ1 2017vs Q1 2016$68.2MM$73.0MM
Equity CapitalQ1 2017vs Q1 2016$4.0MM$4.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$583.00K$994.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$1.2MM$3.7MM
Real Estate OwnedQ1 2017vs Q1 2016$3.5MM$5.7MM

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