BlastPoint's Banking Scorecard
F & M Bank and Trust Company
Micro
Specialty: Commercial
GA
FDIC cert 16916
Designations: ✓ Community bank
Manchester, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
F & M Bank and Trust Company shows strong momentum with 3 strengths and 10.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.10% above tier
- + Net Interest Margin 1.62% above tier
- + Efficiency Ratio 27.27% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.4M
+10.5% YoY
+6.5% QoQ
|
-$127.1M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$62.5M
+8.7% YoY
+9.8% QoQ
|
-$76.6M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$76.3M
+6.0% YoY
+1.7% QoQ
|
-$107.3M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
3.18%
+180.1% YoY
-15.8% QoQ
|
+2.10% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.47%
+2.6% YoY
+1.9% QoQ
|
+1.62% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
40.45%
-48.0% YoY
+48.5% QoQ
|
-27.27% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.55%
-45.4% YoY
-11.2% QoQ
|
-0.09% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
81.92%
+2.6% YoY
+8.0% QoQ
|
+7.39% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
31.48%
-29.1% YoY
+6.8% QoQ
|
+9.09% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.38%
-46.3% YoY
-8.5% QoQ
|
-0.07% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
11.16%
+28.0% YoY
-9.8% QoQ
|
+2.31% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.79%
+5.0% YoY
+43.2% QoQ
|
+0.23% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.18%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.47%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
40.45%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Return on Assets
Current: 3.18% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 40.45% · Tier avg: 67.73%
95
95th pctile
Net Interest Margin
Current: 5.47% · Tier avg: 3.85%
87
87th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.56%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.48% · Tier avg: 22.39%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.16% · Tier avg: 8.85%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.92% · Tier avg: 74.53%
26
26th pctile
Total Loans
Current: $62.5M · Tier avg: $139.2M
20
20th pctile
Total Deposits
Current: $76.3M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $90.4M · Tier avg: $217.5M
Top Weaknesses
20
20th pctile
Total Assets
Current: $90.4M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $76.3M · Tier avg: $183.7M
26
26th pctile
Total Loans
Current: $62.5M · Tier avg: $139.2M
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.92% · Tier avg: 74.53%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.16% · Tier avg: 8.85%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.48% · Tier avg: 22.39%
87
87th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.56%
95
95th pctile
Net Interest Margin
Current: 5.47% · Tier avg: 3.85%
98
98th pctile
Efficiency Ratio
Current: 40.45% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.18% · Tier avg: 1.08%