AMERICAN BANK & TRUST COMPANY INC.

BOWLING GREEN, KY | Medium | Est. July 5, 2000, midnight | FDIC #35568 | RSSD #2919898 | FDIC
Latest Report: 2025-12-31

AMERICAN BANK & TRUST COMPANY INC. is amn medium FDIC-insured commercial bank headquartered in BOWLING GREEN, KY, established in July 5, 2000, midnight. As of 2025-12-31, the bank reported total assets of $876M and total deposits of $758M. Profitability stands at 1.24% ROA and 13.84% ROE, with a net interest margin of 3.49%. The bank's CET1 capital ratio is 11.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.67%. FDIC Certificate #35568.

Assets

$876M

Deposits

$758M

Loans

$708M

Equity

$80M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 13.84%
Net Interest Margin (NIM) 3.49%
Yield on Assets 6.67%
Cost of Funds 3.23%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio 0.05%
Texas Ratio 1.67%
NPA Ratio 0.17%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 11.46%
Tier 1 Capital 11.46%
Total Capital Ratio 12.40%
Leverage Ratio 9.51%
Loan-to-Deposit 93.43%

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