FIRST AMERICAN BANK AND TRUST COMPANY

ATHENS, GA | Medium | Est. Jan. 1, 1934, midnight | FDIC #16858 | RSSD #921039 | FDIC
Latest Report: 2025-12-31

FIRST AMERICAN BANK AND TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in ATHENS, GA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $853M and total deposits of $721M. Profitability stands at 2.18% ROA and 16.87% ROE, with a net interest margin of 4.93%. The bank's CET1 capital ratio is 17.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.01%. FDIC Certificate #16858.

Assets

$853M

Deposits

$721M

Loans

$665M

Equity

$112M

Profitability

Return on Assets (ROA) 2.18%
Return on Equity (ROE) 16.87%
Net Interest Margin (NIM) 4.93%
Yield on Assets 5.86%
Cost of Funds 1.00%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.01%
NPA Ratio 0.00%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 17.41%
Tier 1 Capital 17.41%
Total Capital Ratio 18.66%
Leverage Ratio 12.91%
Loan-to-Deposit 92.30%

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