F & M Bank and Trust Company: how it compares with its peers
Against 27 GA banks with half to twice its assets, F & M Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (5.65% vs. a 4.36% peer median). Its weakest relative measure is efficiency ratio (82.65% vs. 68.66%).
| Measure | F & M Bank and Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.88% | 1.38% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.65% | 4.36% | Top third Ahead of 89% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 82.65% | 68.66% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $5.0M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.58% | 64.92% | Context |
What it means for lending operations
Its efficiency ratio of 82.65% is above the 68.66% 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
- First Bank of Pike Zebulon, GA · $87M
- The Four County Bank Allentown, GA · $87M
- First State Bank of Randolph County Cuthbert, GA · $87M
- Rochelle State Bank Rochelle, GA · $86M
- Bank of Hancock County Sparta, GA · $85M
- The Bank of Edison Edison, GA · $84M
Questions about F & M Bank and Trust Company
How big is F & M Bank and Trust Company?
F & M Bank and Trust Company, established in 1948, is headquartered in Manchester, GA. It reported $87M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is F & M Bank and Trust Company's return on assets?
0.88% annualized in Q2 2026, against a 1.38% median for 27 GA banks with half to twice its assets, ahead of 33% of them.
What is F & M Bank and Trust Company's efficiency ratio?
82.65% in Q2 2026: it spent about 83 cents in noninterest expense for each dollar of revenue. The peer median is 68.66%, and lower is better.
Is F & M Bank and Trust Company growing its loans?
Net loans grew 5.9% over the year to Q2 2026, while deposits grew 2.0%.
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.