American Bank & Trust Company Inc.
Also written as AB&T
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Data as of · sourced from FFIEC call reports. How we update
American Bank & Trust Company Inc. is an FDIC-insured commercial bank headquartered in Bowling Green, KY, established in 2000 (FDIC certificate 35568), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $924.4M, up 3.8% from Q2 2025, the 19th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 11.44% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35568
- Headquarters
- Bowling Green, KY
- Established
- 2000
- Total assets, Q2 2026
- $924.4M
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 11.44%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 083908323
- Latest call report
- Q2 2026, FFIEC 041 · American Bank & Trust Company Inc. Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- FIRST BRECKINRIDGE BANCSHARES, INC.
- Asset rank in state
- 19th of 120 in Kentucky
Problem loans are rising at American Bank & Trust Company Inc.. The Bowling Green, Kentucky bank had $924 million in assets at June 30, 2026, up 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.22% of loans from 0.24% a year earlier. It pays an average of 3.05% on its deposits and borrowings, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 3.7 times its capital, about triple the median of 1.2 times for banks its size.
Delinquency has appeared in its $87 million multifamily book: 6.83% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter rose 13% from a year earlier, to $2.4 million. Where it has less room is capital: it holds common equity equal to 11.44% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.11%).
As of June 30, 2026, American Bank & Trust Company Inc. reported a CET1 capital ratio of 11.44%, a return on assets of 1.07%, a nonperforming-loan ratio of 1.22% and a Texas ratio of 10.09%. The figures come from its call report filed with the FFIEC.
Of the 120 banks headquartered in Kentucky, American Bank & Trust Company Inc. is the 19th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.6% to $924.4M, loans rose 1.7% and deposits rose 4.4%. 1-4 family residential loans made up 28.5% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 22.4%. Its 6 offices in the FDIC Summary of Deposits are in Bowling Green, KY. By the capital ratios in its Q2 2026 call report, American Bank & Trust Company Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 531 Lovers Ln, Bowling Green, KY 42103
- County
- Warren
- Metro Area
- Bowling Green, KY
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 5, 2000
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 102
- Domestic deposits
- $800.0M
- Allowance for credit losses
- $7.2M
- Net charge-offs (YTD)
- $105K
- Average total assets
- $909.3M
- Average total loans
- $741.9M
- Average interest-bearing deposits
- $683.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 5, 2000
- FDIC Cert
- 35568
- Fed RSSD
- 2919898
- SEC CIK
- 2127309 → filed by FIRST BRECKINRIDGE BANCSHARES, INC.
- Website
- www.ambanking.com →
- Parent Holding Company
- FIRST BRECKINRIDGE BANCSHARES, INC. (RSSD 1119404)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, American Bank & Trust Company Inc.'s total assets ranged from $716.0M (Q3 2023) to $924.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$924.4M total assets against $890.2M; $840.2M total liabilities against $816.1M.
$738.2M net loans and leases against $720.0M; $800.0M total deposits against $772.5M.
$103.4M securities against $98.2M; $39.1M cash and balances due against $28.1M.
$13.3M total interest income against $13.4M; $6.2M total interest expense against $6.9M.
$7.1M net interest income against $6.6M.
$733K total noninterest income against $679K; $4.3M total noninterest expense against $4.2M.
$283K provision for credit losses against $261K.
$2.4M net income against $2.2M.
1.07% return on assets against 0.96%; 3.29% net interest margin against 3.08%.
11.44% CET1 capital ratio against 10.62%; 9.88% tier 1 leverage ratio against 9.06%.
Inside the full American Bank & Trust Company Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
American Bank & Trust Company Inc. rankings
Its closest position to the top of a national ranking is 637 of 3,640, for Texas Ratio; its furthest is 1,858 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q3 2024) to 1.21% (Q4 2025) and its net interest margin ran from 2.91% (Q1 2025) to 3.29% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.44% | 1.07% | 1.22% | 10.09% | 3.29% |
| Q1 2026 | 11.35% | 1.01% | 1.22% | 10.23% | 3.20% |
| Q4 2025 | 11.46% | 1.21% | 0.27% | 2.19% | 3.29% |
| Q3 2025 | 11.15% | 1.10% | 0.34% | 2.85% | 3.22% |
| Q2 2025 | 10.62% | 0.96% | 0.24% | 2.16% | 3.08% |
| Q1 2025 | 10.32% | 0.84% | 0.24% | 2.21% | 2.91% |
| Q4 2024 | 10.35% | 0.79% | 0.30% | 2.81% | 3.01% |
| Q3 2024 | 10.48% | 0.77% | 0.35% | 3.14% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| American Bank & Trust Company, Inc. | Bowling Green , KY | 42103 | $298.6M |
| Scottsville Branch | Bowling Green , KY | 42104 | $253.7M |
| Fairview Ave Branch | Bowling Green , KY | 42103 | $80.9M |
| Nashville Road Branch | Bowling Green , KY | 42101 | $60.6M |
| Louisville Road Branch | Bowling Green , KY | 42101 | $60.1M |
| Plano Road Branch | Bowling Green , KY | 42104 | $46.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in KY, rank 30 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 350 applications, 295 loans originated, $132.7M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $885K approved, $221K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 American Bank & Trust Company Inc.
What are American Bank & Trust Company Inc.'s total assets?
As of the Q2 2026 filing, American Bank & Trust Company Inc. reported total assets of $924.4 million in its FFIEC call report.
Where is American Bank & Trust Company Inc. headquartered?
It is headquartered in Bowling Green, KY, United States.
When was American Bank & Trust Company Inc. founded?
It was established in 2000, per the FDIC institution directory.
Is American Bank & Trust Company Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates American Bank & Trust Company Inc.?
American Bank & Trust Company Inc.'s primary federal regulator is the FDIC.
What is American Bank & Trust Company Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.44% in its Q2 2026 call report, above regulatory requirements.
How many branches does American Bank & Trust Company Inc. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is American Bank & Trust Company Inc.'s Texas Ratio?
Its Texas Ratio is 10.09% in its Q2 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 non-performing assets against the bank's capital and reserves.
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