B
F&M Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings F&M Bank
Washington, GA
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Rating B
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 7.10
Stability Index 5.70
Company Info F&M Bank
Washington, GA
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FDIC Number 16897
Phone Number (706) 678-2187
Website www.fmbanknow.com
Asset Quality F&M Bank
Washington, GA
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1-Year Asset Growth 6.31%
5-Year Asset Growth 8.71%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.37%
Non-Performing Assets to Assets 0.17%
Non-Performing Loans to Capital 0.54%
Non-Performing Loans to Loans 0.13%
Balance Sheet F&M Bank
Washington, GA
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Total Assets 395.97M
Total Deposits 335.27M
Capital and Reserves F&M Bank
Washington, GA
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Capital 51.63M
Leverage Ratio 15.10
Loan Loss Reserves to Loans 1.70%
Risk-Based Capital Ratio --
Liquidity F&M Bank
Washington, GA
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Hot Money Ratio 23.69%
Liquidity Ratio 7.81%
Profitability F&M Bank
Washington, GA
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5-Year Return on Average Assets 1.15%
Net Income 4.28M
Net Interest Spread 4.82%
Operating Profit to Average Assets 1.77%
Overhead Efficiency Ratio 59.95%
Return on Assets 1.42%
Return on Equity 11.85%