AB&T: Financial Reports & UBPR Data
BankRegReports is independent of AB&T and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
AB&T, based in Albany, Georgia, reported $261 million in assets at June 30, 2026, up 1.3% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 5.9% and deposits rose 0.9%.
As of June 30, 2026, AB&T reported a CET1 capital ratio of 16.96%, a return on assets of 1.98%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2815 Meredyth Dr, Albany, GA 31707
- County
- Dougherty
- Metro Area
- Albany, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- April 28, 1999
- Former names
- AB&T National Bank (2014-2016)
- Offices
- 3 domestic
- Employees (FTE)
- 28
- Domestic deposits
- $227.9M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $268.3M
- Average total loans
- $177.4M
- Average interest-bearing deposits
- $153.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 28, 1999
- FDIC Cert
- 35029
- Fed RSSD
- 2775151
- SEC CIK
- 1074369 → filed by COMMUNITY CAPITAL BANCSHARES, INC.
- Website
- www.abtgold.com →
- Parent Holding Company
- COMMUNITY CAPITAL BANCSHARES, INC. (RSSD 2775142)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full AB&T terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock AB&T, freeAB&T rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.96% | 1.98% | 0.00% | 0.00% | 4.66% |
| Q1 2026 | 17.13% | 1.86% | 0.55% | 2.97% | 4.53% |
| Q4 2025 | 16.37% | 2.12% | 0.53% | 2.97% | 4.70% |
| Q3 2025 | 16.20% | 2.03% | 0.72% | 4.19% | 4.77% |
| Q2 2025 | 17.01% | 1.88% | 0.00% | 0.00% | 4.61% |
| Q1 2025 | 17.10% | 1.78% | 0.00% | 0.00% | 4.38% |
| Q4 2024 | 16.97% | 1.94% | 0.00% | 0.00% | 4.46% |
| Q3 2024 | 17.20% | 1.84% | 0.00% | 0.00% | 4.44% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| AB&T (main office) | Albany , GA | 31707 | $226.6M |
| Downtown Drive Through Branch | Albany , GA | 31701 | $1.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 31, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 2009 | Structure Change | Acquired AB&T National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for AB&T, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 5 against individuals associated with it
- July 27, 2006, OCC: Formal Agreement: Albany Bank & Trust, National Association
- Period: Most recent institution action July 27, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in GA, rank 105 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 17 applications, 14 loans originated, $2.8M originated, across 2 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.1M approved, $3.1M average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows AB&T’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare AB&T with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about AB&T
What are AB&T's total assets?
As of the Q2 2026 filing, AB&T reported total assets of $261.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is AB&T headquartered?
AB&T is headquartered in Albany, GA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was AB&T founded?
AB&T was established in 1999, per the FDIC institution directory.
Is AB&T FDIC-insured?
Yes. AB&T is an FDIC-insured commercial bank (FDIC Certificate #35029). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates AB&T?
AB&T's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is AB&T's CET1 capital ratio?
AB&T reported a Common Equity Tier 1 (CET1) capital ratio of 16.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does AB&T operate?
AB&T operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is AB&T's Texas Ratio?
AB&T's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was AB&T previously called?
The charter now named AB&T has also operated as AB&T National Bank (2014-2016), per FDIC structure-change records.
Go deeper on AB&T.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock AB&T, freeFree account