F & M Bank and Trust Company (FDIC certificate #16916) is based in Manchester, Georgia. Its Q2 2026 call report shows $87.4M in total assets and $77.2M in deposits and 1 office.
F & M Bank and Trust Company has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 546 banks with under $100 million in assets. Among 124 banks headquartered in Georgia, it ranks 89th. Problem-loan coverage contributes the most (92/100, 3.8%); capital cushion contributes the least (52/100, 10.17%).
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
From Q2 2025 to Q2 2026, the score rose 7 points (62 → 69), mostly because the capital cushion component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 54 |
| Q4 2024 | 57 |
| Q1 2025 | 62 |
| Q2 2025 | 62 |
| Q3 2025 | 77 |
| Q4 2025 | 76 |
| Q1 2026 | 68 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 6.79% |
| Q3 2024 | 6.95% |
| Q4 2024 | 7.64% |
| Q1 2025 | 7.52% |
| Q2 2025 | 7.68% |
| Q3 2025 | 10.05% |
| Q4 2025 | 9.93% |
| Q1 2026 | 9.86% |
| Q2 2026 | 10.17% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.57% |
| Q2 2026 | 0.52% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.92% |
| Q4 2024 | 1.14% |
| Q1 2025 | 1.15% |
| Q2 2025 | 1.10% |
| Q3 2025 | 3.78% |
| Q4 2025 | 3.18% |
| Q1 2026 | 0.88% |
| Q2 2026 | 0.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $87.4M | 10.17% | 0.52% | 0.88% | 79.6% |
| Q1 2026 | 68 | $89.2M | 9.86% | 0.57% | 0.88% | 72.6% |
| Q4 2025 | 76 | $90.4M | 9.93% | 0.54% | 3.18% | 81.9% |
| Q3 2025 | 77 | $84.9M | 10.05% | 0.61% | 3.78% | 75.8% |
| Q2 2025 | 62 | $83.1M | 7.68% | 0.62% | 1.10% | 76.7% |
| Q1 2025 | 62 | $80.9M | 7.52% | 0.65% | 1.15% | 74.4% |
| Q4 2024 | 57 | $81.8M | 7.64% | 1.00% | 1.14% | 79.9% |
| Q3 2024 | 54 | $80.0M | 6.95% | 1.06% | 0.92% | 73.9% |
| Q2 2024 | 52 | $80.7M | 6.79% | 1.10% | 0.82% | 70.9% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| First Bank of PikeBank Zebulon, GA | 70 out of 100, Strong | $87.5M | 9.9% | 0.79% | vs |
| The Four County BankBank Allentown, GA | 87 out of 100, Very strong | $87.1M | 13.8% | 0.68% | vs |
| First State Bank of Randolph CountyBank Cuthbert, GA | 27 out of 100, Low | $86.9M | 8.3% | 4.53% | vs |
| Rochelle State BankBank Rochelle, GA | 29 out of 100, Low | $85.6M | 8.0% | 3.40% | vs |
| Bank of Hancock CountyBank Sparta, GA | 81 out of 100, Strong | $85.2M | 20.2% | 0.82% | vs |
| The Bank of EdisonBank Edison, GA | 60 out of 100, Moderate | $83.9M | 9.1% | 1.79% | vs |
Deposit insurance
Is my money safe at F & M Bank and Trust Company?
Yes. F & M Bank and Trust Company is an FDIC-insured institution (FDIC certificate #16916). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.3% of deposits ($10.3M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.84% (benchmark: 10%).
1 location
Branches
F & M Bank and Trust Company lists 1 office in 1 city. Most locations:
- Manchester, GA (1)
Identity & history
Profile
- Legal name
- F & M Bank and Trust Company
- Former names
- Farmers and Merchants Bank of Manchester
- Type
- State-chartered bank
- FDIC certificate #
- 16916
- RSSD ID
- 937834
- Primary regulator
- FDIC
- Holding company
- F&m Holding Co Inc
- Established
- February 2, 1948
- Headquarters
- 142 W Main St, Manchester, GA 31816
- Website
- www.fmbankandtrust.com
- Employees
- 20
Quick answers
F & M Bank and Trust Company: common questions
Is F & M Bank and Trust Company FDIC insured?
Yes. F & M Bank and Trust Company is an FDIC-insured institution (FDIC certificate #16916). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is F & M Bank and Trust Company's TellerScore?
69 out of 100 (Moderate), 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 and Trust Company ever failed?
There is no failure record for FDIC certificate #16916 in the FDIC failed bank list.
How many branches does F & M Bank and Trust Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Manchester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Central Georgia BankBank Thomaston, GA | 97 out of 100, Very strong | $160.4M | 22.2% | 0.04% | vs |
| United BankBank Zebulon, GA | 89 out of 100, Very strong | $2.2B | 12.8% | 0.23% | vs |
| First Peoples BankBank Pine Mountain, GA | 77 out of 100, Strong | $449.4M | 12.8% | 0.12% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Metro City BankBank Doraville, GA | 73 out of 100, Strong | $4.5B | 11.1% | 0.44% | vs |
| The Peoples Bank of GeorgiaBank Talbotton, GA | 71 out of 100, Strong | $252.3M | 9.6% | 0.32% | vs |