SBA lender profile
F & M Bank and Trust Company
F & M Bank and Trust Company appears in the public SBA loan data with 4 funded 7(a) loans totaling $1.7M, an average of $421K per loan, and an estimated 42 jobs supported. Its SBA lending concentrates in Georgia and the Manufacturing sector. Across all of its loans in the data, its charge-off rate is 0.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
4
Total volume
$1.7M
Average loan size
$421K
Charge-off rate
0.0%
Share of funded loans charged off
Jobs supported (reported)
42
Programs
7(a)
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 | 3 | $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 | 1 | $49K |
F & M Bank and Trust Company SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2020 | 1 | $628K |
| 2021 | 1 | $124K |
| 2022 | 1 | $885K |
| 2025 | 1 | $49K |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of F & M Bank and Trust Company's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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