AB&T: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, AB&T reported 22 of the 23 line items on this page. It did not report reserve coverage of nonperforming loans. CET1 capital ratio was 16.33% in Q3 2026, up 0.14 percentage points from 16.20% in Q3 2025. Across the 12 quarters shown it ranged from 15.93% (Q4 2023) to 17.20% (Q3 2024).
What the vital signs page covers and where each line comes from.
Brokered deposits to total deposits climbed 1.61 percentage points in Q3 2026, from 2.64% to 4.25%. It was the largest change from Q2 2026 among the key lines here. AB&T ranks 30th of 122 Georgia banks on return on assets, in the upper half at 1.96% (Q3 2026). AB&T's return on assets of 1.96% is well above the 1.27% median for banks in the $100M-1B asset tier, a gap of 0.68 points (Q3 2026).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 16.33% |
| Tier 1 risk-based capital ratio | 16.33% |
| Total risk-based capital ratio | 17.59% |
| Tier 1 leverage ratio | 11.99% |
| Equity capital to assets | 11.22% |
| Tangible equity to tangible assets | 11.22% |
Source: Call Report Schedules RC, RC-N, RC-R and RI; CET1 capital ratio: Call Report Schedule RC-R, Part I (RCOAP793); Tier 1 risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7206); Total risk-based capital ratio: Call Report Schedule RC-R, Part I (RCOA7205); Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.00% |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of nonperforming loans | — |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 16.91% |
| Net interest margin | 4.80% |
| Efficiency ratio | 48.87% |
| Yield on earning assets | 5.94% |
| Cost of funds | 1.29% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 83.05% |
| Core deposits to total deposits | 92.80% |
| Brokered deposits to total deposits | 4.25% |
| Deposits to assets | 86.06% |
| Securities to assets | 11.56% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 15.93% | 15.93% | 17.18% | 11.08% | 1.55% |
| Q1 2024 | 16.23% | 16.23% | 17.48% | 11.36% | 1.68% |
| Q2 2024 | 16.65% | 16.65% | 17.90% | 11.38% | 1.85% |
| Q3 2024 | 17.20% | 17.20% | 18.46% | 11.64% | 1.84% |
| Q4 2024 | 16.97% | 16.97% | 18.23% | 11.20% | 1.94% |
| Q1 2025 | 17.10% | 17.10% | 18.35% | 11.35% | 1.78% |
| Q2 2025 | 17.01% | 17.01% | 18.27% | 11.59% | 1.88% |
| Q3 2025 | 16.20% | 16.20% | 17.45% | 11.95% | 2.03% |
| Q4 2025 | 16.37% | 16.37% | 17.62% | 11.47% | 2.12% |
| Q1 2026 | 17.13% | 17.13% | 18.38% | 11.51% | 1.86% |
| Q2 2026 | 16.96% | 16.96% | 18.22% | 11.85% | 1.98% |
| Q3 2026 | 16.33% | 16.33% | 17.59% | 11.99% | 1.96% |
AB&T vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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)