SBA lender profile
F & M Bank and Trust Company
F & M Bank and Trust Company appears in the public SBA loan data with 5 funded 7(a) loans since FY2010, totaling $1.8M, an average of $351K per loan, and an estimated 45 jobs supported. Its SBA lending concentrates in Georgia and the Manufacturing sector. With only 5 7(a) loans in the data, the sample is too small to read a charge-off rate as a track record.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
Is F & M Bank and Trust Company the right lender for you?
F & M Bank and Trust Company appears in the SBA record with 5 funded loans since FY2010, too few to read as a lending pattern. That is not a mark against the institution, but it does mean the record cannot tell you whether it lends to businesses like yours. Lenders with a deeper track record in your state and industry can.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $89M
- Headquarters
- Manchester, GA
- FDIC cert
- #16916
- Status
- Active
Where F & M Bank and Trust Company lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| Georgia | 4 | $1.1M |
| North Carolina | 1 | $628K |
What F & M Bank and Trust Company funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Manufacturing | 3 | $1.6M |
| Professional and Technical Services | 2 | $120K |
F & M Bank and Trust Company SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2018 | 1 | $71K |
| 2020 | 1 | $628K |
| 2021 | 1 | $124K |
| 2022 | 1 | $885K |
| 2025 | 1 | $49K |
Related SBA lenders
Other lenders active in Georgia or in Manufacturing.
Comparing lenders? See how to choose an SBA lender by track record.
F & M Bank and Trust Company: frequently asked questions
Does F & M Bank and Trust Company offer SBA loans?
Yes. F & M Bank and Trust Company appears in the public SBA data with 5 funded SBA 7(a) loans totaling $1.8M.
How many SBA loans has F & M Bank and Trust Company made?
F & M Bank and Trust Company is associated with 5 SBA 7(a) loans totaling $1.8M in the public SBA data (as of 2026-03-31).
What is F & M Bank and Trust Company's SBA charge-off rate?
F & M Bank and Trust Company appears with only 5 7(a) loans in the data, too few for a charge-off rate to be meaningful as a track record. The SBA Lender Score treats fewer than 20 loans as insufficient data for the same reason; see our methodology.
Where does F & M Bank and Trust Company do most of its SBA lending?
F & M Bank and Trust Company's SBA lending in the data is most concentrated in Georgia, and by industry in Manufacturing.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). F & M Bank and Trust Company SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/f-m-bank-and-trust-company/
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