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 F & M Bank and Trust Company
F & M Bank and Trust Company
| RSSD ID 937834 | CERTIFICATE 16916 | ABA NUMBER 61112597 |
| 142 W Main St |
Quarter Ended : |
2025-09-30 |
| Manchester, Georgia, 31816 |
Updated : |
2025-10-30 |
| www.fmbankandtrust.com |
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| Institution Profile |
| Year Opened : |
1948 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
1 |
Number of Employees : |
21 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 84,869 |
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Total Interest Income | 3,674 |
| Total Liabilities | 77,855 |
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Total NonInterest Income | 470 |
| Total Bank Equity Capital | 7,014 |
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Total Interest Expense | 870 |
| Total Deposits | 75,096 |
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Total NonInterest Expense | 892 |
| Net Loans & Leases | 56,960 |
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Net Income | 2,342 |
| Loan Loss Allowance | 690 |
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Net Charge Offs | (2) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 8,992 |
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Total loans | 57,696 |
| Total assets for the leverage ratio | 82,475 |
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Loans secured by real estate: | 47,183 |
| Tier 1 Leverage Ratio | 10.05 |
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Commercial and industrial loans | 5,479 |
| Tier 1 Capital Ratio | 12.37 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 13.42 |
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Loans to individuals - Other | 2,973 |
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:· F & M Bank and Trust Company
