Advertisement
First American Bank And Trust Company
Athens, GA · FDIC Certificate #16858 · Chartered 01/0
Total assets
$901.90M
Total deposits
$753.23M
Total equity
$117.50M
Net loans
$701.47M
Branches (offices)
7
Net income (YTD)
$8.73M
Rank: #1,138 of 4,213 U.S. banks by assets · #14 of 123 in Georgia. Assets changed -1.1% and deposits 3.3% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.98% |
| Return on equity | 15.19% |
| Net interest margin (YTD) | 4.64% |
| Equity to assets | 13.03% |
| Tier 1 leverage ratio | 13.34% |
| Uninsured deposits (share of deposits) | 36.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.1% |
| Real estate loans (share of loans) | 96.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $679.23M | 96.8% | |
| Commercial & industrial | $16.52M | 2.4% | |
| Consumer / individual | $13.56M | 1.9% | |
| Construction & development | $119.90M | 17.1% | |
| Agricultural | $704.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $965.62M | $818.85M | $5.54M | $75.67M |
| Jun 2023 | $916.51M | $759.39M | $6.14M | $82.21M |
| Jun 2024 | $869.60M | $697.04M | $6.90M | $93.86M |
| Jun 2025 | $912.37M | $729.18M | $8.24M | $106.57M |
| Jun 2026 | $901.90M | $753.23M | $8.73M | $117.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $753.23M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $753.23M.
Similar-sized banks
Thrivent Bank ($905.60M) · Greenfield Co-Operative Bank ($901.81M)
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