What is First American Bank and Trust Company's financial health grade?

First American Bank and Trust Company has a TFS Financial Health Grade of B (score: 86.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First American Bank and Trust Company have?

First American Bank and Trust Company has 8 branch locations across the United States.

Is First American Bank and Trust Company FDIC insured?

Yes, First American Bank and Trust Company is FDIC insured (Certificate #16858).

What are the total assets of First American Bank and Trust Company?

First American Bank and Trust Company has total assets of $853.2M as reported in its most recent FDIC filing.

First American Bank and Trust Company

BankAthens, Georgia

www.fabt.bank

Total Assets

$853.2M

Total Deposits

$720.7M

Branches

Established

1934

TFS Health Grade

86.8 / 100

Good financial health

How we grade

First American Bank and Trust Company is a bank headquartered in Athens, Georgia, established in 1934. With $853.2M in total assets and 8 branch locations, it has a TFS Financial Health Grade of B (86.8/100).

Capital & Safety

Tier 1 Capital Ratio

12.91%(8%)

Total Capital Ratio

18.66%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

2.01%(1%)

Return on Equity (ROE)

16.30%(10%)

Net Interest Margin

4.50%

Efficiency Ratio

49.60%(60%)

Lending & Liquidity

Total Loans

$665.2M

Loan-to-Deposit Ratio

91.25%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+6.01%

Deposit Growth (YoY)

+5.16%

Net Income

$17.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First American Bank and Trust CompanyHQ	300 College Ave	Athens	GA	11
First American Bank and Trust Company	2241 W Broad St	Athens	GA	11
First American Bank and Trust Company	825 Hull Rd	Athens	GA	11
First American Bank and Trust Company	300 College Ave	Athens	GA	27
First American Bank and Trust Company	550 Highway 441 S	Clayton	GA	11
First American Bank and Trust Company	235 W Crogan St	Lawrenceville	GA	11
First American Bank and Trust Company	1681 Experiment Station Rd	Watkinsville	GA	11
First American Bank and Trust Company	65 E May St	Winder	GA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.