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F&M Bank
Washington, GA · FDIC Certificate #16897 · Chartered 03/1
Total assets
$419.91M
Total deposits
$356.80M
Total equity
$54.43M
Net loans
$275.63M
Branches (offices)
5
Net income (YTD)
$2.96M
Rank: #1,998 of 4,213 U.S. banks by assets · #49 of 123 in Georgia. Assets changed 6.4% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 11.02% |
| Net interest margin (YTD) | 4.84% |
| Equity to assets | 12.96% |
| Tier 1 leverage ratio | 14.93% |
| Uninsured deposits (share of deposits) | 22.2% |
| Noncurrent loans (share of loans) | 0.38% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 77.3% |
| Real estate loans (share of loans) | 88.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $243.53M | 88.4% | |
| Commercial & industrial | $19.79M | 7.2% | |
| Consumer / individual | $8.97M | 3.3% | |
| Construction & development | $67.53M | 24.5% | |
| Agricultural | $2.01M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $358.39M | $313.36M | $1.89M | $37.50M |
| Jun 2023 | $347.27M | $298.44M | $2.19M | $38.62M |
| Jun 2024 | $373.98M | $319.56M | $2.58M | $43.56M |
| Jun 2025 | $394.75M | $336.88M | $2.85M | $48.10M |
| Jun 2026 | $419.91M | $356.80M | $2.96M | $54.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $356.80M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $356.80M.
Similar-sized banks
Bank Of Star Valley ($420.02M) · First National Bank Of Brookfield ($419.58M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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