F & M Bank and Trust Company is an FDIC insured institution headquartered at
142 W Main St, Manchester, GA 31816.
It was founded in
1948 and has approximately $0 billion in
assets. Customers can open an account at one of its 1 branches.
Flexible terms, redraw up to 100%, borrow $20k-$400k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for
taxes and insurance premiums. Click here for more information on rates and product details.
Online Mortgage Application and Live Agents Available
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for
taxes and insurance premiums. Click here for more information on rates and product details.
Overview 2024
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 16916
Date Established
1948
Assets
$ 75.95 million
Loans
$ 51.69 million
Deposits
$ 72.07 million
Capital
$ 3.38 million
Summary Balance Sheet as of June 30, 2023
ASSETS
Cash & Balances due from depository institutions
$ 7.02 million
Interest-bearing balances
$ 6.27 million
Total securities
$ 5.87 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 51.69 million
Loan loss allowance
$ 0.55 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
N.A.
All other assets
$ 6.07 million
Total Assets
$ 72.57 million
LIABILITIES
Total deposits
$ 72.07 million
Interest-bearing deposits
$ 47.18 million
Deposits held in domestic offices
$ 72.07 million
% insured (estimated)
88.16%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
N.A.
Subordinated debt
N.A.
All other liabilities
$ 0.21 millionn
Total Liabilities
$ 72.57 million
Shareholders’ Equity
$ 3.38 million
Summary Income Statement as of June 30, 2023
INCOME AND EXPENSES
Total Interest Income
$ 3.77 million
Total Interest Expense
$ 0.64 million
Net interest income
$ 3.13 million
Provision for loan and lease losses
$ 0.01 million
Total non interest income
$ 0.64 million
Total non interest expense
$ 3.25 million
Pre-tax Net Operating Income
$ 0.08 million
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