AMERICAN BANK & TRUST COMPANY INC.
AMERICAN BANK & TRUST COMPANY INC. is an FDIC-insured commercial bank headquartered in BOWLING GREEN, KY, established in 2000. As of , 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 3.30%. CET1 capital ratio: 11.46%, well above regulatory minimums. NPL ratio: 1.14% · Texas Ratio: 9.28%. Operates 6 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
American Bank & Trust Company INC. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 11.46% | 1.24% | 1.14% | 9.28% | 3.30% |
| 2025-09-30 | 11.15% | 1.11% | 1.13% | 9.45% | 3.23% |
| 2025-06-30 | 10.62% | 0.97% | 0.27% | 2.43% | 3.09% |
| 2025-03-31 | 10.32% | 0.86% | 0.22% | 2.03% | 2.92% |
| 2024-12-31 | 10.35% | 0.80% | 0.26% | 2.45% | 3.01% |
| 2024-09-30 | 10.48% | 0.78% | 0.33% | 2.93% | 2.94% |
| 2024-06-30 | 10.42% | 0.85% | 0.28% | 2.59% | 2.88% |
| 2024-03-31 | 10.45% | 0.63% | 0.22% | 2.03% | 2.69% |
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Frequently asked about AMERICAN BANK & TRUST COMPANY INC.
What are American Bank & Trust Company INC.'s total assets?
As of the Q4 2025 filing, American Bank & Trust Company INC. reported total assets of $875.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is American Bank & Trust Company INC. headquartered?
American Bank & Trust Company INC. is headquartered in BOWLING GREEN, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was American Bank & Trust Company INC. founded?
American Bank & Trust Company INC. was established in 2000, per the FDIC institution directory.
Is American Bank & Trust Company INC. FDIC-insured?
Yes. American Bank & Trust Company INC. is an FDIC-insured commercial bank (FDIC Certificate #35568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank & Trust Company INC.?
American Bank & Trust Company INC.'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 American Bank & Trust Company INC.'s CET1 capital ratio?
American Bank & Trust Company INC. reported a Common Equity Tier 1 (CET1) capital ratio of 11.46% in its most recent quarterly filing — above regulatory minimums.
How many branches does American Bank & Trust Company INC. operate?
American Bank & Trust Company INC. operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is American Bank & Trust Company INC.'s Texas Ratio?
American Bank & Trust Company INC.'s Texas Ratio is 9.28% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.