First American Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First American Bank and Trust Company of Athens, GA against its peer group of 2672 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.06% | 1.25% | +0.81% | 80th top |
| ROAE | 16.06% | 13.24% | +2.82% | 59th above |
| Net Interest Margin | 4.61% | 3.95% | +0.66% | 75th top |
| Efficiency Ratio | 48.24% | 61.22% | -12.98% | 77th top |
| PPNR / Avg Assets | 2.69% | — | — | 92nd top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.66% | 5.68% | -0.02% | 58th above |
| Cost of Funds | 1.17% | 1.88% | -0.71% | 80th top |
| Net Interest Spread | 4.06% | — | — | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 92nd top |
| NPA / Total Assets | 0.00% | — | — | 84th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 28th below |
| ACL / Total Loans | 1.10% | — | — | 36th below |
| Texas Ratio | 0.01% | 7.40% | -7.39% | 87th top |
| Provision / NCO | 1030.77% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.71% | 17.09% | +0.62% | 55th above |
| Tier 1 Ratio | 17.71% | 17.12% | +0.59% | 55th above |
| Total Capital Ratio | 18.96% | — | — | 55th above |
| Leverage Ratio | 13.18% | 11.73% | +1.45% | 66th above |
| Equity / Assets | 12.67% | 10.96% | +1.71% | 69th above |
| TCE / Tangible Assets | 12.67% | — | — | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.51% | 80.60% | +8.91% | 16th bottom |
| Core Deposit Ratio | 97.83% | 86.92% | +10.91% | 93rd top |
| Wholesale Funding Ratio | 1.97% | — | — | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.23% | — | — | 85th top |
| Loan Growth (Y/Y) | 10.61% | — | — | 77th top |
| Deposit Growth (Y/Y) | 8.20% | — | — | 77th top |
See First American Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First American Bank and Trust Company, 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 First American Bank and Trust Company profile, how to read a UBPR, or how this data updates.