This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Manchester, GA
Health score
76.4
Total assets
$87.4M
Bank
Cuthbert, GA
Health score
41.5
Total assets
$86.9M
Answer first
F & M Bank and Trust Company leads on financial health and capitalization and profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
F & M Bank and Trust Company
Higher TFS health score
Capitalization
F & M Bank and Trust Company
Higher comparable capital ratio
Profitability
F & M Bank and Trust Company
Higher return on assets
Lending quality
F & M Bank and Trust Company
Lower problem-loan measure
Growth
F & M Bank and Trust Company
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | F & M Bank and Trust Company | First State Bank of Randolph County |
|---|---|---|
| TFS health score | 76.4/100Leads | 41.5/100 |
| Total assets | $87.4M | $86.9M |
| Total deposits / shares | $77.2M | $84.4M |
| Tier 1 capital ratio | 10.17%Leads | 8.30% |
| Return on assets | 0.88%Leads | -0.27% |
| Return on equity | 10.24%Leads |
F & M Bank and Trust Company
1 branches
First State Bank of Randolph County
2 branches
Both institutions report branches in 1 state: GA.
F & M Bank and Trust Company
Unavailable
First State Bank of Randolph County
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
F & M Bank and Trust Company
0 in TFS registry
First State Bank of Randolph County
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | F & M Bank and Trust Company score | F & M Bank and Trust Company ROA | First State Bank of Randolph County score | First State Bank of Randolph County ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.92% | — | 0.05% |
| 2024-Q4 | — | 1.14% | — | 0.00% |
| 2025-Q1 | — | 1.15% | — | 0.11% |
| 2025-Q2 | — | 1.10% | — | -0.07% |
| 2025-Q3 | — | 3.78% | — | -0.23% |
| 2025-Q4 | — | 3.18% | — | -0.23% |
| 2026-Q1 | 77.5/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| -17.68% |
| Non-performing loans | 0.52%Leads | 4.53% |
| Net charge-offs | -0.00%Leads | 0.06% |
| Efficiency ratio | 82.65%Leads | 109.30% |
| Loan-to-deposit ratio | 79.58% | 35.92% |
| Asset growth (YoY) | 5.18%Leads | 1.03% |
| Deposit / share growth (YoY) | 1.99%Leads | -1.23% |
| Branches | 1 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.88% |
| 43.2/100 |
| -0.31% |
| 2026-Q2 | 76.4/100 | 0.88% | 41.5/100 | -0.27% |