TellerScore

Ab&t (FDIC certificate #35029) is based in Albany, Georgia. Its Q2 2026 call report shows $261.2M in total assets and $227.9M in deposits and 3 offices.

Ab&t has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 31st. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (53/100, 81% loans-to-deposits, 38% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.85%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings97/100
Return on assets (annualized): 1.92%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 80.9% · 38.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (81 → 83), mostly because the earnings component improved by 4 points.

TellerScore
768083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202482
Q4 202481
Q1 202581
Q2 202581
Q3 202576
Q4 202577
Q1 202677
Q2 202683
Tier 1 leverage ratio
5.00%8.48%11.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.38%
Q3 202411.64%
Q4 202411.20%
Q1 202511.35%
Q2 202511.59%
Q3 202511.95%
Q4 202511.47%
Q1 202611.51%
Q2 202611.85%
Noncurrent loans
0.00%0.36%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.72%
Q4 20250.53%
Q1 20260.55%
Q2 20260.00%
Return on assets
1.75%1.84%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.78%
Q3 20241.80%
Q4 20241.84%
Q1 20251.75%
Q2 20251.81%
Q3 20251.87%
Q4 20251.92%
Q1 20261.84%
Q2 20261.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$261.2M11.85%0.00%1.92%80.9%
Q1 202677$271.6M11.51%0.55%1.84%75.0%
Q4 202577$279.8M11.47%0.53%1.92%74.6%
Q3 202576$262.9M11.95%0.72%1.87%82.9%
Q2 202581$257.9M11.59%0.00%1.81%77.0%
Q1 202581$272.0M11.35%0.00%1.75%69.8%
Q4 202481$269.2M11.20%0.00%1.84%70.8%
Q3 202482$259.4M11.64%0.00%1.80%73.9%
Q2 202480$254.0M11.38%0.07%1.78%77.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.85%
63rd
Total risk-based capital18.22%
82nd
Problem loans0.00%
94th
Net charge-offs-0.01%
86th
Return on assets1.92%
84th
Net interest margin4.64%
84th
Efficiency ratio48.1%
87th
Loans to deposits80.9%
48th
Uninsured deposits38.3%
12th
Loan-loss reserves1.33%
66th
Texas ratio0.0%
95th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Community Bank of GeorgiaBank Baxley, GA74 out of 100, Strong$269.5M11.0%1.05%vs
South Georgia BankBank Glennville, GA81 out of 100, Strong$269.5M10.6%0.16%vs
The Peoples BankBank Eatonton, GA79 out of 100, Strong$269.7M11.7%0.00%vs
South Coast Bank & TrustBank Brunswick, GA72 out of 100, Strong$269.8M9.9%0.49%vs
The Peoples Bank of GeorgiaBank Talbotton, GA71 out of 100, Strong$252.3M9.6%0.32%vs
Bank of AlapahaBank Alapaha, GA69 out of 100, Moderate$251.0M10.2%0.34%vs

Deposit insurance

Is my money safe at Ab&t?

Yes. Ab&t is an FDIC-insured institution (FDIC certificate #35029). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.3% of deposits ($87.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.22% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Ab&t lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Ab&t
Former names
Ab&t National Bank; AB&T National Bank; Albany Bank & Trust, National Association
Type
State-chartered bank
FDIC certificate #
35029
RSSD ID
2775151
Primary regulator
FDIC
Holding company
Community Capital Bancshares
Established
April 28, 1999
Headquarters
2815 Meredyth Dr, Albany, GA 31707
Employees
28

Quick answers

Ab&t: common questions

Is Ab&t FDIC insured?

Yes. Ab&t is an FDIC-insured institution (FDIC certificate #35029). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Ab&t's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Ab&t ever failed?

There is no failure record for FDIC certificate #35029 in the FDIC failed bank list.

How many branches does Ab&t have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Albany

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of DawsonBank Dawson, GA94 out of 100, Very strong$159.9M18.2%0.22%vs
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs
Georgia Community BankBank Albany, GA78 out of 100, Strong$375.0M13.7%1.25%vs
The Bridgeway Federal Credit UnionCredit union Phenix City, AL72 out of 100, Strong$62.3M16.3%1.01%vs
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
Planters and Citizens BankBank Camilla, GA71 out of 100, Strong$139.2M10.5%0.06%vs