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American Bank & Trust Company, Inc.
Bowling Green, KY · FDIC Certificate #35568 · Chartered 07/0
Total assets
$924.41M
Total deposits
$800.00M
Total equity
$84.19M
Net loans
$738.25M
Branches (offices)
6
Net income (YTD)
$4.67M
Rank: #1,119 of 4,213 U.S. banks by assets · #19 of 120 in Kentucky. Assets changed 3.8% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 11.35% |
| Net interest margin (YTD) | 3.29% |
| Equity to assets | 9.11% |
| Tier 1 leverage ratio | 9.88% |
| Uninsured deposits (share of deposits) | 24.0% |
| Noncurrent loans (share of loans) | 1.22% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 92.3% |
| Real estate loans (share of loans) | 87.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $648.78M | 87.9% | |
| Commercial & industrial | $88.76M | 12.0% | |
| Consumer / individual | $5.86M | 0.8% | |
| Construction & development | $166.74M | 22.6% | |
| Agricultural | $1.33M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $648.89M | $581.98M | $2.67M | $58.27M |
| Jun 2023 | $690.56M | $622.37M | $2.20M | $59.06M |
| Jun 2024 | $815.63M | $706.78M | $2.93M | $65.43M |
| Jun 2025 | $890.17M | $772.50M | $4.03M | $74.09M |
| Jun 2026 | $924.41M | $800.00M | $4.67M | $84.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $800.00M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $800.00M.
Similar-sized banks
Legends Bank ($927.66M) · Valliance Bank ($923.29M)
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.
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