AB&T: Income and Expense
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Data as of · Call Report Schedule RI How we update
AB&T reported all 18 line items on this page on its Q3 2026 filing. Net income was $1.3M in Q3 2026, up 0.7% from $1.3M in Q3 2025.
What the income and expense page covers and where each line comes from.
Open the full profitability analysis: return on equity taken apart into each income statement line's share of average assets and the leverage on equity, what moved it since a year earlier, and peers measured the same way.
Compared with Q2 2026, Total noninterest expense rose 3.8% in Q3 2026 to $1.7M, the biggest move on this page. Within Georgia, AB&T is 30th of 122 on return on assets, 1.96% as of Q3 2026. Against a median of 1.27% for banks in the $100M-1B asset tier, AB&T reported 1.96% on return on assets in Q3 2026, 0.68 points higher.
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | $1.3M |
| Return on assets | 1.96% |
| Return on equity | 16.91% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $752K |
| Interest expense on deposits | $696K |
| Net interest margin | 4.80% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Noninterest income and expense
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $1.7M |
| Salaries and general administrative expense | $1.1M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $598K |
| Efficiency ratio | 48.87% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $9.4M |
| Revenue per employee | $476K |
| Full-time equivalent employees | 29 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Credit costs and securities results
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $0 |
| Provision expense to average assets | 0.00% |
| Realized gain/(loss) on securities | $0 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Income and Expense trend
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $991K | 1.55% | 14.73% | 54.71% |
| Q1 2024 | $1.1M | 1.68% | 15.27% | 51.13% |
| Q2 2024 | $1.2M | 1.85% | 16.76% | 47.79% |
| Q3 2024 | $1.2M | 1.84% | 16.22% | 48.18% |
| Q4 2024 | $1.3M | 1.94% | 17.52% | 52.65% |
| Q1 2025 | $1.2M | 1.78% | 15.92% | 48.39% |
| Q2 2025 | $1.2M | 1.88% | 16.45% | 48.30% |
| Q3 2025 | $1.3M | 2.03% | 17.17% | 51.79% |
| Q4 2025 | $1.4M | 2.12% | 18.70% | 43.61% |
| Q1 2026 | $1.3M | 1.86% | 16.29% | 48.67% |
| Q2 2026 | $1.3M | 1.98% | 17.01% | 47.58% |
| Q3 2026 | $1.3M | 1.96% | 16.91% | 48.87% |
AB&T income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. How these pages are built. See the full AB&T profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35029) · FFIEC NIC profile (RSSD 2775151)