F&M Bank (FDIC #16897): Bank Stress & Real-Estate Credit Exposure

F&M Bank (FDIC Cert #16897): bank stress 52/100, moderate, STABLE over 7 days; parent WASHINGTON WILKES HOLDING CO.

F&M Bank (#16897) lends in 4 counties across 1 state; F&M Bank (#16897) reaches 15 ZIP codes: Georgia 4 counties, 15 ZIPs.

F&M Bank (#16897) largest markets: Columbia County, GA (7 branches, 7 ZIPs) (#16897), Taliaferro County, GA (5 branches, 5 ZIPs) (#16897), Wilkes County, GA (10 branches, 5 ZIPs) (#16897), Lincoln County, GA (2 branches, 2 ZIPs) (#16897).

F&M Bank (#16897) reports $419.9 million in total assets; F&M Bank (#16897) equity $54.4 million (13.0% of F&M Bank (#16897) assets); F&M Bank (#16897) domestic deposits $356.8 million; F&M Bank (#16897) net income $3.0 million; F&M Bank (#16897) return on assets 1.40%; F&M Bank (#16897) return on equity 11.02%; F&M Bank (#16897) net interest income $9.3 million; F&M Bank (#16897) call report June 30, 2026.

F&M Bank (#16897) noncurrent real-estate loans: none reported; F&M Bank (#16897) net charge-offs on real estate 0.42%.

F&M Bank (#16897) net interest margin 4.84% against an eight-quarter F&M Bank (#16897) average of 4.81% (F&M Bank (#16897) compression -0.03 points); F&M Bank (#16897) rate-exposure score 40/100, F&M Bank (#16897) fixed-rate trap 40/100; F&M Bank (#16897) risk type credit driven; F&M Bank (#16897) rate regime rates elevated, F&M Bank (#16897) snapshot October 19, 2026.

F&M Bank (#16897) stress score moved from 51.6 on June 22, 2026 to 52 on October 19, 2026; F&M Bank (#16897) ranged 51.6 to 52 over 116 snapshots.

F&M Bank (#16897) alerts: 4 counties; top F&M Bank (#16897) alert scores: Washington County, GA 32 (low); Augusta County, GA 18 (low); Crawfordville County, GA 18 (low); Lincolnton County, GA 18 (low).