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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 160th largest bank in the state of Georgia. It is also the 4,638th largest bank in the nation. It was established in 1948 and as of March of 2018, it had grown to 21 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
Employees21
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.23%
Return on Equity - YTD-4.77%
Annual Interest Income$728.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$76.0MM$81.5MM
LoansQ1 2018vs Q1 2017$48.5MM$49.9MM
DepositsQ1 2018vs Q1 2017$65.5MM$68.2MM
Equity CapitalQ1 2018vs Q1 2017$3.5MM$4.0MM
Loan Loss AllowanceQ1 2018vs Q1 2017$565.00K$583.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$989.00K$1.2MM
Real Estate OwnedQ1 2018vs Q1 2017$2.5MM$3.5MM
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
0.50%--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

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
1.88%$2,500-59 Month Jump CD Special
1.51%$2,500-27 Month CD Special
1.48%$2,500-25 Month CD Special
1.34%$2,500-17 Month CD Special
1.27%$2,500-13 Month CD Special
1.20%$500-5 Year CD
1.13%$2,500-9 Month CD Special
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
0.55%$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
1.88%$2,500-59 Month Jump IRA Special
1.88%$2,500-59 Month Jump Roth Special
1.48%$2,500-25 Month IRA Special
1.48%$2,500-25 Month Roth Special
1.34%$2,500-17 Month IRA Special
1.27%$2,500-13 Month IRA Special
1.20%$100-5 Year IRA
1.13%$2,500-9 Month IRA Special
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

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