BlastPoint's Banking Scorecard
F & M Bank and Trust Company
Designations: ✓ Community bank
Manchester, GA
F & M Bank and Trust Company shows strong momentum with 3 strengths and 10.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.74% above tier average
- + Efficiency Ratio 5.89% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
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
|
+$27.0M |
$62.2M
-0.6% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
Top 13.9% in tier |
| Total Loans ? |
$57.4M
+1.7% YoY
-8.2% QoQ
|
+$23.1M |
$34.2M
-1.4% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Top 14.8% in tier |
| Total Deposits ? |
$79.1M
+4.3% YoY
+3.6% QoQ
|
+$27.3M |
$51.7M
-0.7% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
Top 11.3% in tier |
| Return on Assets ? |
0.88%
-23.7% YoY
-72.4% QoQ
|
+0.04% |
0.84%
-2.3% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
5.60%
+2.8% YoY
+2.4% QoQ
|
+1.74% |
3.86%
+2.8% 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
|
-5.89% |
88.34%
+0.3% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.58%
-11.0% YoY
+5.8% QoQ
|
-0.79% |
1.37%
+33.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
72.56%
-2.5% YoY
-11.4% QoQ
|
+8.35% |
64.22%
-0.7% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
33.26%
+6.0% YoY
+5.6% QoQ
|
+9.54% |
23.71%
+0.3% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.37%
-17.9% YoY
-1.6% QoQ
|
-0.41% |
0.79%
+28.2% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
13.09%
+38.5% YoY
+17.3% QoQ
|
-13.60% |
26.68%
+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
|
-0.49% |
0.67%
+1.9% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
Top 13.1% in tier |
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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.