F & M Bank and Trust Company
Manchester, GA · State, non-member commercial bank
Sonar Score
Watch
out of 100 · from public FDIC data
Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $89.2M
- Total deposits
- $79.1M
- Branches
- 1
- Return on assets
- 0.88%
- Return on equity
- 10.47%
- Charter type
- State, non-member commercial bank
- Established
- 1948
- FDIC cert #
- 16916
How the 52 breaks down
Capital ratio not reported.
Modest but positive returns.
Efficient use of shareholder capital.
Community-scale institution.
Your deposits at F & M Bank and Trust Company
F & M Bank and Trust Company is an FDIC-insured institution (Cert #16916). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
1 branch locations
142 W Main St
Manchester, GA 31816
Sponsored · we may earn a commission
Earning enough on your savings?
Many big-bank savings accounts pay near 0%. Compare today's top high-yield savings and CD rates from FDIC-insured banks before you decide where to keep your cash.
Compare savings rates