BlastPoint's Banking Scorecard
First American Bank and Trust Company
Athens, GA
8 branches across GA
First American Bank and Trust Company has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 10.8% in tier
- + Revenue Diversifier: Top 46.7% in tier
- + ROA 0.63% above tier average
- + Net Interest Margin 0.64% above tier average
- + Efficiency Ratio 14.02% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.7% in tier
- - Liquidity Overhang: Bottom 31.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$889.7M
+1.2% YoY
+4.3% QoQ
|
+$503.6M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
Top 4.2% in tier |
| Total Loans ? |
$698.5M
+15.4% YoY
+6.2% QoQ
|
+$442.8M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Top 2.4% in tier |
| Total Deposits ? |
$751.1M
+3.5% YoY
+4.2% QoQ
|
+$423.1M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
Top 4.6% in tier |
| Return on Assets ? |
1.90%
+13.4% YoY
-5.3% QoQ
|
+0.63% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
85% |
| Net Interest Margin ? |
4.57%
+7.8% YoY
+1.6% QoQ
|
+0.64% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
51.27%
-3.6% YoY
+3.4% QoQ
|
-14.02% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.03%
+668.5% YoY
|
-0.86% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
93.00%
+11.5% YoY
+1.9% QoQ
|
+16.36% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
28.09%
-10.4% YoY
-3.2% QoQ
|
+6.07% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.02%
+776.5% YoY
|
-0.62% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
16.78%
-4.0% YoY
-3.6% QoQ
|
+0.95% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.17%
+9.4% YoY
-78.7% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
80% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.