F&M HOLDING CO INC is the parent banking group. F & M BANK AND TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

F&M HOLDING CO INC

Legal name: F & M HOLDING COMPANY, INC.

1 active bank · $89M combined assets

RSSD ID: 1129458 (FFIEC NIC)

Combined Assets

$89M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankF & M BANK AND TRUST COMPANYMANCHESTER, GASatisfactory$89MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$89M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$79M

Net Income

$197K

ROA (avg)

0.88%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
F & M BANK AND TRUST COMPANY	MANCHESTER, GA	FDIC	$89M	100.0%	Satisfactory	Dec 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.