Banks | F & M Bank and Trust Company

F & M Bank and Trust Company


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.

Deposit Rates - December 21, 2024

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.20% $10,000 Compare
6 Mo CD
0.20% $100,000 Compare
12 Mo CD
0.35% $10,000 Compare
12 Mo CD
0.35% $100,000 Compare
18 Mo CD
0.60% $10,000 Compare
18 Mo CD
0.60% $100,000 Compare
24 Mo CD
0.60% $10,000 Compare
24 Mo CD
0.60% $100,000 Compare
36 Mo CD
0.70% $10,000 Compare
36 Mo CD
0.70% $100,000 Compare
48 Mo CD
0.75% $10,000 Compare
48 Mo CD
0.75% $100,000 Compare
60 Mo CD
0.90% $10,000 Compare
60 Mo CD
0.90% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $2,500

Overview 2024

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16916
Date Established 1948
Assets $ 80.67 million
Loans $ 54.18 million
Deposits $ 76.44 million
Capital $ 3.71 million

Summary Balance Sheet as of March 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 9.44 million
Interest-bearing balances $ 8.93 million
Total securities $ 5.55 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 54.18 million
Loan loss allowance $ 0.56 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 $ 76.96 million

LIABILITIES
Total deposits $ 76.44 million
      Interest-bearing deposits $ 50.30 million
      Deposits held in domestic offices $ 76.44 million
      % insured (estimated) 87.96%
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 $ 76.96 million
      Shareholders’ Equity $ 3.71 million

Summary Income Statement as of March 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 2.20 million
Total Interest Expense $ 0.47 million
Net interest income $ 1.73 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.30 million
Total non interest expense $ 1.69 million
Pre-tax Net Operating Income $ 0.08 million

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F & M Bank and Trust Company Locations

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