MANCHESTER, GA · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$89M
Total Deposits
$79M
Net Loans
$57M
Net Income
$197K
ROA
0.88%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.47%
Risk-Based Capital
14.18%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Exam Date | Rating | Exam Type |
|---|---|---|
| Dec 2024 | Satisfactory | Small Bank |
| Aug 2018 | Satisfactory | Small Bank |
| Feb 2013 | Satisfactory | Small Bank |
5 previous ratings locked — back to 1992
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
1
Branch Deposits
$76M
1-Year Change
0
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/f-and-m-bank-and-trust-company" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview: