Bank Safety Analysis
Is First American Bank and Trust Company Safe?
First American Bank and Trust Company passes all 5 regulatory safety dimensions, with capital, asset quality, and stress buffers above supervisory concern bands. Analysis based on the Q3 2026 call report.
The biggest quarter-over-quarter change on this page was a small one: CET1 ratio edged up 0.49 percentage points between Q2 2026 and Q3 2026, to 17.71%. Within Georgia, First American Bank and Trust Company is 35th of 79 on CET1 ratio, 17.71% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. First American Bank and Trust Company sits 2.64 points higher, at 17.71% (Q3 2026); the peer median is as of Q2 2026. From Q4 2023 to Q3 2026, First American Bank and Trust Company's CET1 ratio ranged between 16.78% (Q1 2026) and 17.71% (Q3 2026) and its Texas ratio ranged between 0.01% (Q3 2026) and 0.43% (Q4 2023). Compared with Q3 2025, First American Bank and Trust Company's CET1 ratio from 17.41% to 17.71%, noncurrent loans to total loans from 0.04% to 0.00%, Texas ratio from 0.24% to 0.01%, return on assets from 2.04% to 2.06% in Q3 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
CET1 of 17.71% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 13.18% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 48.2% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 17.71% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.01% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 89.51% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 287.47% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.15% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 17.71% |
| Q2 2026 | 17.22% |
| Q1 2026 | 16.78% |
| Q4 2025 | 17.41% |
| Q3 2025 | 17.41% |
| Q2 2025 | 17.57% |
| Q1 2025 | 17.47% |
| Q4 2024 | 17.27% |
| Q3 2024 | 17.61% |
| Q2 2024 | 17.00% |
| Q1 2024 | 17.11% |
| Q4 2023 | 16.78% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.01% |
| Q2 2026 | 0.01% |
| Q1 2026 | 0.17% |
| Q4 2025 | 0.01% |
| Q3 2025 | 0.24% |
| Q2 2025 | 0.27% |
| Q1 2025 | 0.29% |
| Q4 2024 | 0.33% |
| Q3 2024 | 0.34% |
| Q2 2024 | 0.40% |
| Q1 2024 | 0.43% |
| Q4 2023 | 0.43% |
First American Bank and Trust Company by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Sep 30, 2026 | 17.71% | 0.00% | 0.01% | 2.06% |
| Jun 30, 2026 | 17.22% | 0.00% | 0.01% | 2.06% |
| Mar 31, 2026 | 16.78% | 0.00% | 0.17% | 1.91% |
| Dec 31, 2025 | 17.41% | 0.00% | 0.01% | 2.13% |
| Sep 30, 2025 | 17.41% | 0.04% | 0.24% | 2.04% |
| Jun 30, 2025 | 17.57% | 0.05% | 0.27% | 2.18% |
| Mar 31, 2025 | 17.47% | 0.05% | 0.29% | 1.73% |
| Dec 31, 2024 | 17.27% | 0.06% | 0.33% | 1.55% |
| Sep 30, 2024 | 17.61% | 0.06% | 0.34% | 1.86% |
| Jun 30, 2024 | 17.00% | 0.07% | 0.40% | 1.78% |
| Mar 31, 2024 | 17.11% | 0.07% | 0.43% | 1.47% |
| Dec 31, 2023 | 16.78% | 0.07% | 0.43% | 1.37% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First American Bank and Trust Company FDIC insured?
Yes. First American Bank and Trust Company is an FDIC-insured commercial bank (FDIC Certificate #16858). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is First American Bank and Trust Company well capitalized?
Yes. First American Bank and Trust Company reports a CET1 Ratio of 17.71%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is First American Bank and Trust Company's nonperforming loan ratio?
As of the most recent call report, First American Bank and Trust Company's nonperforming loan ratio is 0.00%. Nonperforming loans at 0.00% are within industry-normal range.
What is First American Bank and Trust Company's Texas Ratio?
First American Bank and Trust Company's Texas Ratio is 0.01%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 16858) · FFIEC NIC profile (RSSD 921039)
Explore: Full First American Bank and Trust Company profile · Other banks in GA · Metric glossary · How the call report works