First American Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
First American Bank and Trust Company is an FDIC-insured commercial bank headquartered in Athens, GA, established in 1934 (FDIC certificate 16858), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $901.9M, down 1.1% from Q2 2025, the 14th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 17.22% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16858
- Headquarters
- Athens, GA
- Established
- 1934
- Total assets, Q2 2026
- $901.9M
- Assets vs Q2 2025
- -1.1%
- CET1 ratio, Q2 2026
- 17.22%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 061111255
- Latest call report
- Q2 2026, FFIEC 051 · First American Bank and Trust Company call report
- Holding company
- FIRST AMERICAN BANCORP
- Asset rank in state
- 14th of 121 in Georgia
First American Bank and Trust Company leans heavily on commercial real estate. Based in Athens, Georgia, it had $902 million in assets at June 30, 2026, down 1.1% from a year earlier. It holds commercial real estate loans worth 2.9 times its capital, 2.5 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 1.05% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
Loans are outrunning deposits: over the year loans rose 11.5% and deposits rose 3.3%.
As of June 30, 2026, First American Bank and Trust Company reported a CET1 capital ratio of 17.22%, a return on assets of 2.06%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.01%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, First American Bank and Trust Company is the 14th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.4% to $901.9M, loans rose 0.4% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.8% of total loans, followed by 1-4 family residential loans at 25.1%. Its 7 offices in the FDIC Summary of Deposits are in 5 cities in GA; its Athens 3 offices book 61% of its branch deposits. Judged on its Q2 2026 call report, First American Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 300 College Ave, Athens, GA 30601
- County
- Clarke
- Metro Area
- Athens-Clarke County, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 109
- Domestic deposits
- $753.2M
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $891.0M
- Average total loans
- $693.4M
- Average interest-bearing deposits
- $539.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 1949
- FDIC Cert
- 16858
- Fed RSSD
- 921039
- Website
- www.fabt.bank →
- Parent Holding Company
- FIRST AMERICAN BANCORP (RSSD 1138188)
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
Over the 12 quarters to Q2 2026, First American Bank and Trust Company's total assets ran between $804.8M (Q4 2024) and $912.4M (Q2 2025), 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
$901.9M total assets against $912.4M; $784.4M total liabilities against $805.8M.
$701.5M net loans and leases against $628.9M; $753.2M total deposits against $729.2M.
$139.0M securities against $149.6M; $25.4M cash and balances due against $101.4M.
$12.0M total interest income against $11.1M; $2.0M total interest expense against $1.9M.
$9.9M net interest income against $9.1M.
$1.9M total noninterest income against $2.2M; $5.7M total noninterest expense against $5.4M.
$141K provision for credit losses against $102K.
$4.6M net income against $4.7M.
2.06% return on assets against 2.18%; 4.66% net interest margin against 4.42%.
17.22% CET1 capital ratio against 17.57%; 13.34% tier 1 leverage ratio against 12.60%.
Inside the full First American Bank and Trust Company 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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First American Bank and Trust Company rankings
Its closest position to the top of a national ranking is 423 of 3,611, for ROA; its furthest is 3,328 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.55% (Q4 2024) to 2.18% (Q2 2025) and its net interest margin ran from 4.26% (Q3 2024) to 4.66% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.22% | 2.06% | 0.00% | 0.01% | 4.66% |
| Q1 2026 | 16.78% | 1.91% | 0.03% | 0.17% | 4.54% |
| Q4 2025 | 17.41% | 2.13% | 0.00% | 0.01% | 4.57% |
| Q3 2025 | 17.41% | 2.04% | 0.00% | 0.01% | 4.57% |
| Q2 2025 | 17.57% | 2.18% | 0.00% | 0.02% | 4.42% |
| Q1 2025 | 17.47% | 1.73% | 0.00% | 0.02% | 4.31% |
| Q4 2024 | 17.27% | 1.55% | 0.01% | 0.05% | 4.35% |
| Q3 2024 | 17.61% | 1.86% | 0.01% | 0.06% | 4.26% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| First American Bank and Trust Company (main office) | Athens , GA | 30601 | $324.7M |
| First Piedmont Bank Branch | Winder , GA | 30680 | $102.4M |
| Lawrenceville | Lawrenceville , GA | 30046 | $72.8M |
| West Broad Branch | Athens , GA | 30606 | $71.1M |
| Mountain Heritage Bank Branch | Clayton , GA | 30525 | $67.9M |
| North Athens Branch | Athens , GA | 30601 | $65.6M |
| Watkinsville Branch | Watkinsville , GA | 30677 | $48.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 25, 2011 | Structure Change | Acquired Mountain Heritage Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 24, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| July 18, 2009 | Structure Change | Acquired First Piedmont Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 17, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in GA, rank 34 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 255 applications, 232 loans originated, $86.5M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 First American Bank and Trust Company
What are First American Bank and Trust Company's total assets?
As of the Q2 2026 filing, First American Bank and Trust Company reported total assets of $901.9 million in its FFIEC call report.
Where is First American Bank and Trust Company headquartered?
It is headquartered in Athens, GA, United States.
When was First American Bank and Trust Company founded?
It was established in 1934, per the FDIC institution directory.
Is First American Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First American Bank and Trust Company?
First American Bank and Trust Company's primary federal regulator is the FDIC.
What is First American Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.22% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First American Bank and Trust Company operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First American Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.01% 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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