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First American Bank and Trust Company

$100M-$1B Specialty: Commercial GA FDIC cert 16858

Athens, GA

8 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +3.3% year over year ($753.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.98%.
  • Efficiency ratio 49.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

First American Bank and Trust Company has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 26.4% in tier
  • + Revenue Diversifier: Top 44.0% in tier
  • + ROA 0.66% above tier average
  • + Net Interest Margin 0.65% above tier average
  • + Efficiency Ratio 14.87% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 31.9% in tier
Get updates when First American Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $901.9M
-1.1% YoY +1.4% QoQ
+$515.3M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
Top 3.6% in tier
Total Loans ? $701.5M
+11.5% YoY +0.4% QoQ
+$443.1M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
Top 2.4% in tier
Total Deposits ? $753.2M
+3.3% YoY +0.3% QoQ
+$426.5M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
Top 4.3% in tier
Return on Assets ? 1.98%
+4.0% YoY +4.2% QoQ
+0.66% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 13.7% in tier
Net Interest Margin ? 4.64%
+8.5% YoY +1.5% QoQ
+0.65% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 49.61%
-1.1% YoY -3.2% QoQ
-14.87% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.00%
-23.8% YoY -91.7% QoQ
-0.92% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
Top 12.5% in tier
Loan-to-Deposit Ratio ? 93.13%
+8.0% YoY +0.1% QoQ
+15.18% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 28.88%
-9.6% YoY +2.8% QoQ
+6.85% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.00%
-14.0% YoY -91.8% QoQ
-0.67% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Top 11.5% in tier
Tier 1 Capital Ratio ? 17.22%
-2.0% YoY +2.6% QoQ
+1.32% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
78%
Non-Interest Income / Assets ? 0.38%
-4.3% YoY +118.3% QoQ
-0.19% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
83%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 28.9%
-3.1pp YoY
+0.8pp QoQ
 +6.7pp 22.1% 26.2% 22.2% 79%
Brokered Deposits n/a n/a 7.9% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 2.4%
-0.3pp YoY
0.0pp QoQ
 -9.2pp 11.6% 9.7% 12.5% 8%
CRE 71.1%
+2.5pp YoY
+0.1pp QoQ
 +31.6pp 39.5% 48.9% 41.4% 94%
1-4 Family 25.4%
-1.5pp YoY
0.0pp QoQ
 -7.2pp 32.6% 31.7% 31.3% 41%
Consumer 1.9%
-0.7pp YoY
-0.1pp QoQ
 -2.2pp 4.1% 4.8% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 17.2%
-0.4pp YoY
+0.4pp QoQ
 -1.6pp 18.8% 20.9% 19.7% 65%
Leverage Ratio 13.3%
+0.7pp YoY
0.0pp QoQ
 +1.2pp 12.2% 14.0% 12.6% 77%
Total Capital Ratio 18.5%
-0.3pp YoY
+0.4pp QoQ
 -1.5pp 19.9% 22.1% 20.8% 66%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 109
+1 (+0.9%) YoY
+1 (+0.9%) QoQ
 +50 58 98 482 89%
Assets per Employee ($) $8.3M
-2.1% YoY
+0.4% QoQ
 +$756K $7.5M $7.5M $8.8M 71%
Branch Count 8
0 YoY
0 QoQ
 +3 4 6 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 1%
Allowance Coverage 462.12x
+21.9% YoY
+1107.2% QoQ
 +437.96x 24.15x 38.10x 20.23x 99%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 15.2%
-0.8pp YoY
+0.6pp QoQ
 +3.0pp 12.2% 13.6% 11.6% 69%
Cost of Funds (YTD) 0.9%
0.0pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.6% 1.7% 8%
Net Income ($, YTD) $8.7M
+6.0% YoY
— QoQ
 +$6.2M $2.6M $6.6M $40.4M 98%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth
#175 of 659 • Top 26.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Revenue Diversifier

growth
#292 of 661 • Top 44.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.38%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.98%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#238 of 742 • Bottom 31.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.22%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 93.13%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (11 metrics)

65
Total Loans
size
Value: $701.47M
Peer Median: $258.35M
#65 of 2643 Top 2.4% in $100M-$1B
95
Total Assets
size
Value: $901.90M
Peer Median: $386.57M
#95 of 2643 Top 3.6% in $100M-$1B
115
Total Deposits
size
Value: $753.23M
Peer Median: $326.73M
#115 of 2643 Top 4.3% in $100M-$1B
305
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#305 of 2643 Top 11.5% in $100M-$1B
330
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#330 of 2633 Top 12.5% in $100M-$1B
362
Return on Assets
profitability
Value: 1.98%
Peer Median: 1.32%
#362 of 2643 Top 13.7% in $100M-$1B
429
Efficiency Ratio
profitability
Value: 49.61%
Peer Median: 64.48%
#429 of 2643 Top 16.2% in $100M-$1B
432
Net Interest Margin
profitability
Value: 4.64%
Peer Median: 3.99%
#432 of 2643 Top 16.3% in $100M-$1B
449
Non-Interest Income / Assets
revenue_mix
Value: 0.38%
Peer Median: 0.57%
#449 of 2643 Top 17.0% in $100M-$1B
559
Non-Interest-Bearing Deposit Share
funding
Value: 28.88%
Peer Median: 22.03%
#559 of 2643 Top 21.1% in $100M-$1B

Top Weaknesses (1 metrics)

2116
Loan-to-Deposit Ratio
liquidity
Value: 93.13%
Peer Median: 77.95%
#2116 of 2643 Bottom 20.0% in $100M-$1B
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