F & M Bank And Trust Company is a bank based in Manchester, Georgia, established in 1948, with $89 million in total assets across 1 branch. By Trust Grade it ranks 97th of 124 banks we track in Georgia. Its capital ratio of 8.5% trails most similarly sized banks (14th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 0.88% return on assets. No consumer complaints against F & M Bank And Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How F & M Bank And Trust Company compares to Georgia peers
How we graded F & M Bank And Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.5% capital ratio)
- Profitable (ROA 0.88%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for F & M Bank And Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 142 W Main St, Manchester, GA 31816
Are deposits at F & M Bank And Trust Company insured?
Yes. F & M Bank And Trust Company is an FDIC-insured bank (FDIC certificate #16916). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
F & M Bank And Trust Company: frequently asked questions
Is F & M Bank And Trust Company a good bank?
F & M Bank And Trust Company earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Well-capitalized (8.5% capital ratio); Profitable (ROA 0.88%).
Is F & M Bank And Trust Company FDIC-insured?
Yes. F & M Bank And Trust Company is a FDIC-insured bank (FDIC certificate #16916). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is F & M Bank And Trust Company?
F & M Bank And Trust Company holds $89 million in total assets, ranking 97th of 124 banks we track in Georgia. It operates 1 branch.
Does F & M Bank And Trust Company have CFPB complaints?
No CFPB complaints against F & M Bank And Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
