AB&T
AB&T is an FDIC-insured commercial bank headquartered in Albany, GA, supervised by the FDIC, with $273.7M in total assets at Q3 2026, up 4.1% from Q3 2025, the 72nd largest of 122 banks headquartered in Georgia. It was established in 1999 and holds FDIC certificate 35029. Its CET1 capital ratio was 16.33% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35029
- Headquarters
- Albany, GA
- Established
- 1999
- Total assets, Q3 2026
- $273.7M
- Assets vs Q3 2025
- +4.1%
- CET1 ratio, Q3 2026
- 16.33%
- Domestic offices
- 3 branches
- Routing number
- 061219694
- Safety and soundness
- Is AB&T safe?
- Latest call report
- Q3 2026, FFIEC 051 · AB&T call report
- Holding company
- COMMUNITY CAPITAL BANCSHARES, INC.
- Asset rank in state
- 72nd of 122 in Georgia
AB&T, based in Albany, Georgia, reported $274 million in assets at September 30, 2026, up 4.1% 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 2,623 banks with $100 million to $1 billion in assets (median 3.0%). It also keeps 4.80 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 4.01 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.72%. Unrealized losses on its securities total $1.8 million, equal to 6% of Tier 1 capital.
As of September 30, 2026, AB&T reported a CET1 capital ratio of 16.33%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, AB&T is the 72nd largest of the 122 banks headquartered in Georgia. From Q2 2026 to Q3 2026, its total assets rose 4.8% to $273.7M, loans rose 4.7% and deposits rose 3.3%. 1-4 family residential loans made up 32.9% of its total loans on September 30, 2026, its largest category; next came commercial and industrial loans at 19.9%. Its 2 offices in the FDIC Summary of Deposits are in Albany, GA. On its Q3 2026 call report, AB&T meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 3 branches
- Employees (FTE)
- 29
- Domestic deposits
- $235.6M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $268.1M
- Average total loans
- $192.8M
- Average interest-bearing deposits
- $152.4M
- 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
Q3 annualizedAsset Quality
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, AB&T's total assets ranged from $249.5M (Q4 2023) to $279.8M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$273.7M total assets against $262.9M; $243.0M total liabilities against $232.3M.
$193.2M net loans and leases against $190.8M; $235.6M total deposits against $230.1M.
$31.6M securities against $20.8M; $18.6M cash and balances due against $13.1M.
$3.9M total interest income against $3.8M; $752K total interest expense against $769K.
$3.2M net interest income against $3.0M.
$282K total noninterest income against $260K; $1.7M total noninterest expense against $1.7M.
$0 provision for credit losses against $0.
$1.3M net income against $1.3M.
1.96% return on assets against 2.03%; 4.80% net interest margin against 4.77%.
16.33% CET1 capital ratio against 16.20%; 11.99% tier 1 leverage ratio against 11.95%.
Inside the full AB&T terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAB&T rankings
Its closest position to the top of a national ranking is 573 of 3,627, for ROA; its furthest is 3,491 of 3,644, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.78% (Q1 2025) to 2.12% (Q4 2025) and its net interest margin ran from 4.38% (Q1 2025) to 4.80% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 16.33% | 1.96% | 0.00% | 0.00% | 4.80% |
| 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% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 177 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about AB&T
What are AB&T's total assets?
As of the Q3 2026 filing, AB&T reported total assets of $273.7 million in its FFIEC call report.
Where is AB&T headquartered?
It is headquartered in Albany, GA, United States.
When was AB&T founded?
It was established in 1999, per the FDIC institution directory.
Is AB&T FDIC-insured?
Yes. It 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.
What is AB&T's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.33% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does AB&T operate?
It 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?
Its Texas Ratio is 0.00% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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.
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