F&M Bank: how it compares with its peers
Against 72 GA banks with half to twice its assets, F&M Bank's strongest measure in Q2 2026 is net interest margin (4.84% vs. a 4.57% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $7.2M).
| Measure | F&M Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.40% | 1.58% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.84% | 4.57% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.02% | 57.29% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.2M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.25% | 80.27% | Context |
What it means for lending operations
Its efficiency ratio of 61.02% is above the 57.29% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Citizens Bank of Swainsboro Swainsboro, GA · $420M
- Great Oaks Bank Richmond Hill, GA · $422M
- Touchmark National Bank Alpharetta, GA · $417M
- River City Bank Rome, GA · $423M
- CIBC National Trust Company Atlanta, GA · $413M
- Exchange Bank Milledgeville, GA · $410M
Questions about F&M Bank
How big is F&M Bank?
F&M Bank, established in 1950, is headquartered in Washington, GA. It reported $420M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is F&M Bank's return on assets?
1.40% annualized in Q2 2026, against a 1.58% median for 72 GA banks with half to twice its assets, ahead of 29% of them.
What is F&M Bank's efficiency ratio?
61.02% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 57.29%, and lower is better.
Is F&M Bank growing its loans?
Net loans grew 8.8% over the year to Q2 2026, while deposits grew 5.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.