Bank Safety Analysis
Is AB&T Safe? Albany, Georgia
Based on its Q3 2026 call report, AB&T meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is AB&T safe?
On its Q3 2026 call report, AB&T's CET1 ratio is 16.33%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 16.33%
- Tier 1 leverage ratio (Q3 2026): 11.99%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
AB&T is an FDIC-insured commercial bank (FDIC Certificate #35029). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report AB&T (FDIC Certificate #35029) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
AB&T passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
CET1 ratio fell 0.63 percentage points from Q2 2026 to Q3 2026, ending at 16.33% against 16.96%. It was the largest change among the key lines on this page. Within Georgia, AB&T is 42nd of 75 on CET1 ratio, 16.33% as of Q3 2026. AB&T reported 16.33% on CET1 ratio for Q3 2026, 1.09 points above the 15.24% median for banks in the $100M-1B asset tier. From Q4 2023 to Q3 2026, AB&T's CET1 ratio ranged between 15.93% (Q4 2023) and 17.20% (Q3 2024) and its Texas ratio ranged between 0.00% (Q3 2026) and 4.19% (Q3 2025). Between Q3 2025 and Q3 2026, AB&T's CET1 ratio rose from 16.20% to 16.33%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.72% to 0.00%, Texas ratio fell from 4.19% to 0.00% and return on assets fell from 2.03% to 1.96%.
AB&T ranks as the 72nd largest of the 122 banks based in Georgia, by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $64.4M of $195.6M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, AB&T's CET1 ratio of 16.33% is above the 15.24% median, Tier 1 leverage ratio of 11.99% is above the 11.09% median, nonperforming loans ratio of 0.00% is below the 0.43% median, Texas ratio of 0.00% is below the 2.96% median, and efficiency ratio of 48.87% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low.
How does AB&T score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 15.24%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does AB&T trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 16.33% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 83.05% | Within range |
| Commercial real estate to capital supervisory threshold | 133.23% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 16.33% |
| Q2 2026 | 16.96% |
| Q1 2026 | 17.13% |
| Q4 2025 | 16.37% |
| Q3 2025 | 16.20% |
| Q2 2025 | 17.01% |
| Q1 2025 | 17.10% |
| Q4 2024 | 16.97% |
| Q3 2024 | 17.20% |
| Q2 2024 | 16.65% |
| Q1 2024 | 16.23% |
| Q4 2023 | 15.93% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
| Q1 2026 | 2.97% |
| Q4 2025 | 2.97% |
| Q3 2025 | 4.19% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.40% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
Loans by type, Q3 2026
- 1-4 family residential loans: $64.4M
- Commercial and industrial loans: $38.9M
- Non-owner-occupied commercial real estate loans: $36.4M
- Owner-occupied commercial real estate loans: $30.0M
- Construction and land development loans: $7.8M
- Agricultural production loans: $3.8M
- Other revolving consumer credit: $3.0M
- Multifamily loans: $2.0M
How have AB&T's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $273.7M | 16.33% | 11.99% | 0.00% | 0.00% | 48.87% |
| Jun 30, 2026 | $261.2M | 16.96% | 11.85% | 0.00% | 0.00% | 47.58% |
| Mar 31, 2026 | $271.6M | 17.13% | 11.51% | 0.55% | 2.97% | 48.67% |
| Dec 31, 2025 | $279.8M | 16.37% | 11.47% | 0.53% | 2.97% | 43.61% |
| Sep 30, 2025 | $262.9M | 16.20% | 11.95% | 0.72% | 4.19% | 51.79% |
| Jun 30, 2025 | $257.9M | 17.01% | 11.59% | 0.00% | 0.00% | 48.30% |
| Mar 31, 2025 | $272.0M | 17.10% | 11.35% | 0.00% | 0.00% | 48.39% |
| Dec 31, 2024 | $269.2M | 16.97% | 11.20% | 0.00% | 0.00% | 52.65% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is AB&T FDIC insured?
Yes. AB&T is an FDIC-insured commercial bank (FDIC Certificate #35029). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is AB&T well capitalized?
On its Q3 2026 call report, AB&T's CET1 ratio is 16.33%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are AB&T's key safety ratios?
For Q3 2026, AB&T reports CET1 16.33%, leverage 11.99%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if AB&T fails?
For Q3 2026, AB&T reported $235.6M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full AB&T profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (minimum plus conservation buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200% (our band), concern at 300% (the 2006 interagency guidance level); Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 35029) · FFIEC NIC profile (RSSD 2775151)
Explore: Full AB&T profile · Other banks in GA · Metric glossary · How the call report works