Headquartered in Washington, Georgia, F&M Bank is a state-chartered bank with $419.9M in total assets and $356.8M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1950.
F&M Bank has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 19th. Capital cushion contributes the most (99/100, 14.93%); funding & liquidity contributes the least (75/100, 77% loans-to-deposits, 22% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 88).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 89 |
| Q4 2024 | 88 |
| Q1 2025 | 87 |
| Q2 2025 | 87 |
| Q3 2025 | 91 |
| Q4 2025 | 90 |
| Q1 2026 | 89 |
| Q2 2026 | 88 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.37% |
| Q3 2024 | 14.80% |
| Q4 2024 | 14.45% |
| Q1 2025 | 14.51% |
| Q2 2025 | 14.67% |
| Q3 2025 | 15.10% |
| Q4 2025 | 15.08% |
| Q1 2026 | 14.40% |
| Q2 2026 | 14.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.09% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.38% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.34% |
| Q4 2024 | 1.34% |
| Q1 2025 | 1.28% |
| Q2 2025 | 1.44% |
| Q3 2025 | 1.44% |
| Q4 2025 | 1.45% |
| Q1 2026 | 1.43% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $419.9M | 14.93% | 0.38% | 1.40% | 77.3% |
| Q1 2026 | 89 | $424.1M | 14.40% | 0.07% | 1.43% | 74.7% |
| Q4 2025 | 90 | $418.6M | 15.08% | 0.09% | 1.45% | 76.1% |
| Q3 2025 | 91 | $396.0M | 15.10% | 0.13% | 1.44% | 78.1% |
| Q2 2025 | 87 | $394.7M | 14.67% | 0.48% | 1.44% | 75.2% |
| Q1 2025 | 87 | $394.2M | 14.51% | 0.26% | 1.28% | 72.2% |
| Q4 2024 | 88 | $396.3M | 14.45% | 0.16% | 1.34% | 70.2% |
| Q3 2024 | 89 | $372.5M | 14.80% | 0.11% | 1.34% | 75.2% |
| Q2 2024 | 87 | $374.0M | 14.37% | 0.14% | 1.39% | 72.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens Bank of SwainsboroBank Swainsboro, GA | 82 out of 100, Strong | $420.5M | 12.3% | 0.36% | vs |
| Great Oaks BankBank Richmond Hill, GA | 76 out of 100, Strong | $422.0M | 10.3% | 0.10% | vs |
| Touchmark National BankBank Alpharetta, GA | 38 out of 100, Low | $416.9M | 13.1% | 5.07% | vs |
| River City BankBank Rome, GA | 77 out of 100, Strong | $423.4M | 10.1% | 0.00% | vs |
| CIBC National Trust CompanyBank Atlanta, GA | 93 out of 100, Very strong | $412.8M | 59.6% | 0.00% | vs |
| Exchange BankBank Milledgeville, GA | 66 out of 100, Moderate | $410.3M | 11.9% | 0.03% | vs |
Deposit insurance
Is my money safe at F&M Bank?
Yes. F&M Bank is an FDIC-insured institution (FDIC certificate #16897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.2% of deposits ($79.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
F&M Bank lists 5 offices in 4 cities. Most locations:
- Washington, GA (2)
- Crawfordville, GA (1)
- Lincolnton, GA (1)
- Martinez, GA (1)
Identity & history
Profile
- Legal name
- F&M Bank
- Former names
- Farmers and Merchants Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16897
- RSSD ID
- 510330
- Primary regulator
- FDIC
- Holding company
- Washington Wilkes Holding Co
- Established
- March 14, 1950
- Headquarters
- 911 E Robert Toombs Ave, Washington, GA 30673
- Website
- www.fmbanknow.com
- Employees
- 73
Quick answers
F&M Bank: common questions
Is F&M Bank FDIC insured?
Yes. F&M Bank is an FDIC-insured institution (FDIC certificate #16897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is F&M Bank's TellerScore?
88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has F&M Bank ever failed?
There is no failure record for FDIC certificate #16897 in the FDIC failed bank list.
How many branches does F&M Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Lincolnton, GA | 97 out of 100, Very strong | $186.2M | 15.4% | 0.17% | vs |
| Srp Federal Credit UnionCredit union North Augusta, SC | 81 out of 100, Strong | $2.1B | 13.8% | 0.74% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |
| Truist BankBank Charlotte, NC | 63 out of 100, Moderate | $548.3B | 9.8% | 0.72% | vs |
| Queensborough National Bank & Trust CompanyBank Louisville, GA | 62 out of 100, Moderate | $2.3B | 8.6% | 0.59% | vs |