BlastPoint's Banking Scorecard

F & M Bank and Trust Company

under $100M Specialty: Commercial GA FDIC cert 16916

Designations: ✓ Community bank

Manchester, GA

537 banks in the under $100M peer group nationally 13 in GA

F & M Bank and Trust Company shows strong momentum with 3 strengths and 10.3% 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

+ Net Interest Margin 1.73% above tier average
+ Efficiency Ratio 5.18% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when F & M Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$89.2M +10.3% YoY -1.4% QoQ	+$26.9M	$62.3M -0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.0% YoY	Top 14.0% in tier
Total Loans ?	$57.4M +1.7% YoY -8.2% QoQ	+$23.1M	$34.3M -1.5% YoY	$550.6M +10.4% YoY	$3.2B +10.7% YoY	Top 14.7% in tier
Total Deposits ?	$79.1M +4.3% YoY +3.6% QoQ	+$27.2M	$51.8M -0.6% YoY	$689.3M +8.9% YoY	$4.8B +8.0% YoY	Top 11.4% in tier
Return on Assets ?	0.88% -23.7% YoY -72.4% QoQ	+0.02%	0.86% -3.6% YoY	1.50% +0.6% YoY	1.24% +13.1% YoY	46%
Net Interest Margin ?	5.60% +2.8% YoY +2.4% QoQ	+1.73%	3.87% +2.7% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 4.1% in tier
Efficiency Ratio ?	82.45% +5.9% YoY +45.5% QoQ	-5.18%	87.63% +2.3% YoY	62.13% -1.5% YoY	66.84% -3.8% YoY	31%
Delinquency Rate ?	0.58% -11.0% YoY +5.8% QoQ	-0.78%	1.36% +33.7% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	45%
Loan-to-Deposit Ratio ?	72.56% -2.5% YoY -11.4% QoQ	+8.45%	64.11% -0.9% YoY	71.10% +2.8% YoY	76.69% +0.9% YoY	39%
Non-Interest-Bearing Deposit Share ?	33.26% +6.0% YoY +5.6% QoQ	+9.47%	23.79% +0.5% YoY	26.76% -3.7% YoY	22.01% -1.1% YoY	82%
Nonperforming Asset Ratio ?	0.37% -17.9% YoY -1.6% QoQ	-0.40%	0.77% +28.7% YoY	0.56% +24.4% YoY	0.66% +19.3% YoY	44%
Tier 1 Capital Ratio ?	13.09% +38.5% YoY +17.3% QoQ	-13.69%	26.77% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.17% -12.7% YoY -93.5% QoQ	-0.50%	0.67% +1.6% YoY	0.21% +3.2% YoY	0.32% +4.0% YoY	Top 13.2% in tier

Get Full Access to F & M Bank and Trust Company

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 537 peers in under $100M

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 5.60%

Peer Median: 3.87%

#23 of 537 Top 4.1% in under $100M

Total Deposits

size

Value: $79.08M

Peer Median: $51.83M

#62 of 537 Top 11.4% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.67%

#72 of 537 Top 13.2% in under $100M

Total Assets

size

Value: $89.18M

Peer Median: $62.28M

#76 of 537 Top 14.0% in under $100M

Total Loans

size

Value: $57.38M

Peer Median: $34.29M

#80 of 537 Top 14.7% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 33.26%

Peer Median: 23.79%

#98 of 537 Top 18.1% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available