AB&T: Peer Group Comparison
BankRegReports is independent of AB&T and never asks for online banking logins or passwords.
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks AB&T of Albany, GA against its peer group of 2646 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $100M to $1B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.96% | 1.30% | +0.66% | 83rd best quarter |
| ROAE | 16.91% | 12.64% | +4.27% | 73rd better half |
| Net Interest Margin | 4.80% | 4.00% | +0.80% | 86th best quarter |
| Efficiency Ratio | 48.87% | 60.97% | -12.10% | 17th best quarter |
| PPNR / Avg Assets | 2.63% | 1.63% | +1.00% | 91st best quarter |
| Yield on Earning Assets | 5.94% | 5.69% | +0.25% | 61st |
| Cost of Funds | 1.29% | 1.83% | -0.54% | 19th best quarter |
| Net Interest Spread | 4.05% | 3.38% | +0.67% | 82nd best quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.43% | -0.43% | 6th best quarter |
| NPA / Total Assets | 0.00% | 0.33% | -0.33% | 6th best quarter |
| NCO / Avg Loans | 0.00% | 0.00% | +0.00% | 36th better half |
| ACL / Total Loans | 1.27% | 1.20% | +0.07% | 59th |
| Texas Ratio | 0.00% | 2.90% | -2.90% | 6th best quarter |
| CRE / Total Capital | 133.23% | 119.32% | +13.91% | 54th worse half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 16.33% | 15.41% | +0.92% | 57th better half |
| Tier 1 Ratio | 16.33% | 15.47% | +0.86% | 57th better half |
| Total Capital Ratio | 17.59% | 16.52% | +1.07% | 58th better half |
| Leverage Ratio | 11.99% | 11.15% | +0.84% | 63rd better half |
| Equity / Assets | 11.22% | 10.12% | +1.10% | 65th better half |
| TCE / Tangible Assets | 11.22% | 9.85% | +1.37% | 68th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 83.05% | 81.56% | +1.49% | 53rd |
| Core Deposit Ratio | 92.80% | 89.16% | +3.64% | 73rd better half |
| Borrowings / Total Assets | 1.97% | 3.70% | -1.73% | 31st better half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.09% | 3.51% | +0.58% | 54th |
| Loan Growth (Y/Y) | 1.22% | 5.73% | -4.51% | 25th |
| Deposit Growth (Y/Y) | 2.38% | 3.83% | -1.45% | 40th |
See AB&T's peers by name
The 2646 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full AB&T profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the AB&T peer analysis.