AB&T

ALBANY, GA | Small | Est. April 28, 1999, midnight | FDIC #35029 | RSSD #2775151 | FDIC
Latest Report: 2025-12-31

AB&T is asn small FDIC-insured commercial bank headquartered in ALBANY, GA, established in April 28, 1999, midnight. As of 2025-12-31, the bank reported total assets of $280M and total deposits of $247M. Profitability stands at 2.13% ROA and 18.70% ROE, with a net interest margin of 5.06%. The bank's CET1 capital ratio is 16.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 2.97%. FDIC Certificate #35029.

Assets

$280M

Deposits

$247M

Loans

$187M

Equity

$31M

Profitability

Return on Assets (ROA) 2.13%
Return on Equity (ROE) 18.70%
Net Interest Margin (NIM) 5.06%
Yield on Assets 6.36%
Cost of Funds 1.35%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio -0.01%
Texas Ratio 2.97%
NPA Ratio 0.36%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 16.37%
Tier 1 Capital 16.37%
Total Capital Ratio 17.62%
Leverage Ratio 11.47%
Loan-to-Deposit 75.64%

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