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F&M Bank


F&M Bank is an FDIC insured institution headquartered at 911 E Robert Toombs Ave, Washington, GA 30673.
It was founded in 1950 and has approximately $0 billion in assets. Customers can open an account at one of its 6 branches.

Deposit Rates - April 22, 2025

SAVINGS RATES APY MIN
Savings
0.30% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.35% $10,000 Compare
6 Mo CD
0.40% $100,000 Compare
12 Mo CD
0.50% $10,000 Compare
12 Mo CD
0.55% $100,000 Compare
24 Mo CD
0.65% $10,000 Compare
24 Mo CD
0.70% $100,000 Compare
36 Mo CD
0.75% $10,000 Compare
36 Mo CD
0.80% $100,000 Compare
48 Mo CD
0.80% $10,000 Compare
48 Mo CD
0.85% $100,000 Compare
60 Mo CD
0.90% $10,000 Compare
60 Mo CD
0.95% $100,000 Compare
MM RATES APY MIN
Money Market
0.25% $2,500 Compare
Money Market
0.25% $10,000 Compare
Money Market
0.25% $25,000 Compare

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16897
Date Established 1950
Assets $ 396.31 million
Loans $ 239.26 million
Deposits $ 341.02 million
Capital $ 46.13 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 30.20 million
Interest-bearing balances $ 19.31 million
Total securities $ 98.03 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 239.26 million
Loan loss allowance $ 4.68 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.85 million
Goodwill and other intangibles N.A.
All other assets $ 17.29 million
     Total Assets $ 350.18 million

LIABILITIES
Total deposits $ 341.02 million
      Interest-bearing deposits $ 244.71 million
      Deposits held in domestic offices $ 341.02 million
      % insured (estimated)" 73.16%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 4.00 million
Subordinated debt N.A.
All other liabilities $ 3.54 millionn
      Total Liabilities $ 350.18 million
      Shareholders’ Equity $ 46.13 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 21.91 million
Total Interest Expense $ 5.56 million
Net interest income $ 16.35 million
Provision for loan and lease losses $ 0.22 million
Total non interest income $ 1.54 million
Total non interest expense $ 11.39 million
Pre-tax Net Operating Income $ 2.35 million

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F&M Bank Locations

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