F&M Bank

BankWashington, Georgia
http://www.fmbanknow.com

Total Assets

$418.6M

Total Deposits

$356.1M

Branches

5

Established

1950

TFS Health Grade

$
C

75.6 / 100

Average financial health

How we grade

F&M Bank is a bank headquartered in Washington, Georgia, established in 1950. With $418.6M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C (75.6/100).

Capital & Safety

Tier 1 Capital Ratio
15.08%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.09%

Profitability

Return on Assets (ROA)
1.45%(1%)
Return on Equity (ROE)
11.77%(10%)
Net Interest Margin
4.90%
Efficiency Ratio
57.17%(60%)

Lending & Liquidity

Total Loans
$276.1M
Loan-to-Deposit Ratio
76.07%
Net Charge-Off Ratio
0.28%

Growth

Asset Growth (YoY)
+5.61%
Deposit Growth (YoY)
+4.44%
Net Income
$5.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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