BlastPoint's Banking Scorecard

F&M Bank

$100M-$1B Specialty: Commercial GA FDIC cert 16897

Washington, GA

5 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

F&M Bank shows strong momentum with 4 strengths and 7.6% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.16% above tier average
+ Net Interest Margin 0.86% above tier average
+ Efficiency Ratio 5.37% below tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when F&M Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$424.1M +7.6% YoY +1.3% QoQ	+$38.0M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$270.6M +11.2% YoY -0.1% QoQ	+$14.9M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$362.2M +7.4% YoY +1.7% QoQ	+$34.2M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	64%
Return on Assets ?	1.43% +11.7% YoY -1.3% QoQ	+0.16%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	64%
Net Interest Margin ?	4.79% +0.6% YoY -2.2% QoQ	+0.86%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 11.1% in tier
Efficiency Ratio ?	59.91% -4.3% YoY +4.8% QoQ	-5.37%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	0.07% -72.7% YoY -17.7% QoQ	-0.82%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	74.72% +3.5% YoY -1.8% QoQ	-1.92%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	58%
Non-Interest-Bearing Deposit Share ?	25.39% -9.4% YoY +1.2% QoQ	+3.37%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	67%
Nonperforming Asset Ratio ?	0.05% -83.7% YoY -18.1% QoQ	-0.59%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	78%
Tier 1 Capital Ratio ?	14.40% -0.8% YoY -4.5% QoQ	-1.44%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.11% +16.2% YoY -76.2% QoQ	-0.17%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	57%

Get Full Access to F&M Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

297

Net Interest Margin

profitability

Value: 4.79%

Peer Median: 3.93%

#297 of 2664 Top 11.1% in $100M-$1B

584

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#584 of 2664 Top 21.9% in $100M-$1B

614

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#614 of 2654 Top 23.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available