B
F&M Bank
Rating Date
August 2026
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 8.70
Capitalization Index 10.00
Liquidity Index 2.20
Profitability Index 7.20
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 6.38%
5-Year Asset Growth 5.89%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.26%
Non-Performing Loans to Capital 1.57%
Non-Performing Loans to Loans 0.38%
Balance Sheet F&M Bank
Washington, GA
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Total Assets 419.91M
Total Deposits 356.80M
Capital and Reserves F&M Bank
Washington, GA
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Capital 54.43M
Leverage Ratio 14.93
Loan Loss Reserves to Loans 1.92%
Risk-Based Capital Ratio --
Liquidity F&M Bank
Washington, GA
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Hot Money Ratio 27.50%
Liquidity Ratio 10.28%
Profitability F&M Bank
Washington, GA
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5-Year Return on Average Assets 1.24%
Net Income 2.96M
Net Interest Spread 4.81%
Operating Profit to Average Assets 1.74%
Overhead Efficiency Ratio 61.02%
Return on Assets 1.38%
Return on Equity 11.05%