First American Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 4.67 percentage points in Q3 2026, from 94.17% to 89.51%. It was the largest change from Q2 2026 among the key lines here. Within Georgia, First American Bank and Trust Company is 24th of 121 on return on assets, 2.06% as of Q3 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, First American Bank and Trust Company reported 2.06% on return on assets in Q3 2026, 0.80 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 17.71% |
| Tier 1 risk-based capital ratio | 17.71% |
| Total risk-based capital ratio | 18.96% |
| Tier 1 leverage ratio | 13.18% |
| Equity capital to assets | 12.67% |
| Tangible equity to tangible assets | 12.67% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.01% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 16.06% |
| Net interest margin | 4.61% |
| Efficiency ratio | 48.24% |
| Yield on earning assets | 5.66% |
| Cost of funds | 1.17% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 89.51% |
| Core deposits to total deposits | 97.83% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.60% |
| Securities to assets | 15.36% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 16.78% | 16.78% | 18.03% | 10.94% | 1.37% |
| Q1 2024 | 17.11% | 17.11% | 18.36% | 11.30% | 1.47% |
| Q2 2024 | 17.00% | 17.00% | 18.25% | 11.50% | 1.78% |
| Q3 2024 | 17.61% | 17.61% | 18.86% | 12.27% | 1.86% |
| Q4 2024 | 17.27% | 17.27% | 18.52% | 12.61% | 1.55% |
| Q1 2025 | 17.47% | 17.47% | 18.72% | 12.85% | 1.73% |
| Q2 2025 | 17.57% | 17.57% | 18.82% | 12.60% | 2.18% |
| Q3 2025 | 17.41% | 17.41% | 18.66% | 12.80% | 2.04% |
| Q4 2025 | 17.41% | 17.41% | 18.66% | 12.91% | 2.13% |
| Q1 2026 | 16.78% | 16.78% | 18.03% | 13.37% | 1.91% |
| Q2 2026 | 17.22% | 17.22% | 18.47% | 13.34% | 2.06% |
| Q3 2026 | 17.71% | 17.71% | 18.96% | 13.18% | 2.06% |
First American Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First American Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First American Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16858) · FFIEC NIC profile (RSSD 921039)