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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 159th largest bank in the state of Georgia. It is also the 4,731st largest bank in the nation. It was established in 1948 and as of September of 2017, it had grown to 22 employees at 1 location. F & M Bank and Trust Company has a D health rating.

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Health
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

Overall
FDIC Certificate #16916
Year Established1948
Employees22
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.73%
Return on Equity - YTD-14.54%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$75.5MM$82.6MM
LoansQ3 2017vs Q3 2016$48.6MM$52.4MM
DepositsQ3 2017vs Q3 2016$64.3MM$74.3MM
Equity CapitalQ3 2017vs Q3 2016$3.7MM$4.2MM
Loan Loss AllowanceQ3 2017vs Q3 2016$564.00K$969.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.0MM$2.6MM
Real Estate OwnedQ3 2017vs Q3 2016$2.7MM$4.2MM
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% $2,500 - $25k | 0.15% $25k - $50k | 0.30% $50k - $100k

F & M Bank and Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$2,500-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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$500-5 Year CD
1.05%$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
0.70%$500-30 Month 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%$100-5 Year IRA
1.05%$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
Locations


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