This paper investigates the bending of asymmetric functionally graded material (FGM) sandwich plates subjected to thermo-mechanical loads in thermal environments. In this paper, a thermo-mechanical analysis model for asymmetric FGM sandwich plates is proposed, which contains only four control equations and four unknown variables. The governing equation is obtained through refined shear theory and the principle of virtual work, and the Navier method is used to solve it. Numerical examples of simply supported FGM sandwich plates under thermo-mechanical loads are given to verify the accuracy of the model. Finally, detailed studies are conducted on the bending of asymmetric FGM sandwich plates under thermo-mechanical loads, exploring the effects of various parameter changes on their bending behavior, and providing strong guidance for the application of asymmetric FGM sandwich plates in industrial production practice.