BlastPoint's Banking Scorecard
F & M Bank and Trust Company
Designations: ✓ Community bank
Manchester, GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 13 in GA.
- Deposits +2.0% year over year ($77.2M on the books).
- Delinquency rate 0.53%.
- Return on assets 0.88%.
- Efficiency ratio 82.65% vs a 119.40% peer average.
- Loan-to-deposit ratio 79.58% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
F & M Bank and Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.74% above tier average
- + Efficiency Ratio 36.74% below tier average
- + Delinquency Rate 0.95% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.4M
+5.2% YoY
-2.0% QoQ
|
+$25.0M |
$62.4M
-0.0% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$61.5M
+5.9% YoY
+7.1% QoQ
|
+$26.6M |
$34.9M
-0.6% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
Top 12.5% in tier |
| Total Deposits ? |
$77.2M
+2.0% YoY
-2.3% QoQ
|
+$25.6M |
$51.6M
-0.2% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
Top 12.5% in tier |
| Return on Assets ? |
0.88%
-20.4% YoY
-0.1% QoQ
|
-0.12% |
1.00%
+3.5% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
5.65%
+4.1% YoY
+1.0% QoQ
|
+1.74% |
3.91%
+2.3% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 3.9% in tier |
| Efficiency Ratio ? |
82.65%
+5.5% YoY
+0.2% QoQ
|
-36.74% |
119.40%
+49.6% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.53%
-14.9% YoY
-8.9% QoQ
|
-0.95% |
1.48%
+31.8% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
79.58%
+3.8% YoY
+9.7% QoQ
|
+5.37% |
74.21%
+12.6% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
31.15%
+1.6% YoY
-6.3% QoQ
|
+7.66% |
23.49%
+0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.37%
-14.4% YoY
-0.4% QoQ
|
-0.46% |
0.84%
+23.0% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
11.85%
+27.4% YoY
-9.5% QoQ
|
-15.28% |
27.13%
+3.0% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.36%
-3.4% YoY
+106.7% QoQ
|
-1.02% |
1.38%
+6.3% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
Top 13.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.2%
+0.5pp YoY -2.1pp QoQ |
+6.5pp | 24.6% | 26.2% | 22.2% | 76% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.2%
-1.8pp YoY -0.9pp QoQ |
-5.2pp | 13.4% | 9.7% | 12.5% | 41% |
| CRE |
60.3%
+10.2pp YoY +4.9pp QoQ |
+35.0pp | 25.2% | 48.9% | 41.4% | 95% |
| 1-4 Family |
18.8%
-2.2pp YoY -2.3pp QoQ |
-16.2pp | 35.0% | 31.7% | 31.3% | 35% |
| Consumer |
3.8%
-0.5pp YoY -0.4pp QoQ |
-3.9pp | 7.7% | 4.8% | 5.0% | 40% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+2.5pp YoY -1.2pp QoQ |
-26.8pp | 38.7% | 20.9% | 19.7% | 5% |
| Leverage Ratio |
10.2%
+2.5pp YoY +0.3pp QoQ |
-7.5pp | 17.7% | 14.0% | 12.6% | 20% |
| Total Capital Ratio |
12.8%
+2.5pp YoY -1.3pp QoQ |
-26.8pp | 39.7% | 22.1% | 20.8% | 6% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
-2 (-9.1%) YoY 0 QoQ |
+8 | 12 | 98 | 482 | 88% |
| Assets per Employee ($) |
$4.4M
+15.7% YoY -2.0% QoQ |
-$1.8M | $6.2M | $7.5M | $8.8M | 27% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.1pp YoY -0.1pp QoQ |
-1.2pp | 1.7% | 0.8% | 1.0% | 42% |
| Allowance Coverage |
2.26x
+21.1% YoY +4.6% QoQ |
-4.15x | 6.41x | 38.10x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
-9.1pp YoY -0.2pp QoQ |
+3.8pp | 6.4% | 13.6% | 11.6% | 63% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY -0.1pp QoQ |
0.0pp | 1.4% | 1.6% | 1.7% | 51% |
| Net Income ($, YTD) |
$390,000
-13.5% YoY — QoQ |
+$72K | $317,817 | $6.6M | $40.4M | 62% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.