Advertisement
Ab&T
Albany, GA · FDIC Certificate #35029 · Chartered 04/2
Total assets
$261.18M
Total deposits
$227.92M
Total equity
$31.40M
Net loans
$184.32M
Branches (offices)
2
Net income (YTD)
$2.60M
Rank: #2,657 of 4,213 U.S. banks by assets · #77 of 123 in Georgia. Assets changed 1.3% and deposits 0.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.92% |
| Return on equity | 16.64% |
| Net interest margin (YTD) | 4.64% |
| Equity to assets | 12.02% |
| Tier 1 leverage ratio | 11.85% |
| Uninsured deposits (share of deposits) | 38.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 80.9% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $142.30M | 77.2% | |
| Commercial & industrial | $38.37M | 20.8% | |
| Consumer / individual | $3.15M | 1.7% | |
| Construction & development | $7.10M | 3.9% | |
| Agricultural | $2.98M | 1.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $250.34M | $221.84M | $1.14M | $24.21M |
| Jun 2023 | $251.96M | $217.65M | $2.32M | $26.63M |
| Jun 2024 | $254.02M | $220.70M | $2.26M | $28.92M |
| Jun 2025 | $257.94M | $225.84M | $2.42M | $30.10M |
| Jun 2026 | $261.18M | $227.92M | $2.60M | $31.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $227.92M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $227.92M.
Similar-sized banks
Ynb ($261.37M) · Guadalupe Bank ($261.12M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement