American Bank & Trust Company, Inc. (FDIC certificate #35568) is based in Bowling Green, Kentucky. Its Q2 2026 call report shows $924.4M in total assets and $800.0M in deposits and 6 offices.
American Bank & Trust Company, Inc. has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 106th. Problem-loan coverage contributes the most (80/100, 10.1%); capital cushion contributes the least (49/100, 9.88%).
TellerScore · Q2 2026
Scorecard
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 fell 6 points (65 → 59), mostly because the loan quality component weakened by 33 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 62 |
| Q4 2024 | 63 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 67 |
| Q1 2026 | 58 |
| Q2 2026 | 59 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.18% |
| Q3 2024 | 9.07% |
| Q4 2024 | 9.03% |
| Q1 2025 | 8.91% |
| Q2 2025 | 9.06% |
| Q3 2025 | 9.24% |
| Q4 2025 | 9.51% |
| Q1 2026 | 9.89% |
| Q2 2026 | 9.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.30% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.27% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.86% |
| Q2 2025 | 0.92% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.05% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $924.4M | 9.88% | 1.22% | 1.04% | 92.3% |
| Q1 2026 | 58 | $892.2M | 9.89% | 1.22% | 1.01% | 94.8% |
| Q4 2025 | 67 | $875.6M | 9.51% | 0.27% | 1.05% | 92.5% |
| Q3 2025 | 66 | $890.0M | 9.24% | 0.34% | 0.98% | 89.9% |
| Q2 2025 | 65 | $890.2M | 9.06% | 0.24% | 0.92% | 93.2% |
| Q1 2025 | 64 | $891.9M | 8.91% | 0.24% | 0.86% | 92.2% |
| Q4 2024 | 63 | $856.4M | 9.03% | 0.30% | 0.77% | 93.9% |
| Q3 2024 | 62 | $835.2M | 9.07% | 0.35% | 0.76% | 93.4% |
| Q2 2024 | 64 | $815.6M | 9.18% | 0.20% | 0.74% | 93.3% |
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).
Similar-size banks in Kentucky
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Farmers National Bank of DanvilleBank Danville, KY | 59 out of 100, Moderate | $989.8M | 10.6% | 1.78% | vs |
| Wilson & Muir Bank & Trust CompanyBank Bardstown, KY | 76 out of 100, Strong | $818.4M | 9.4% | 0.27% | vs |
| Cumberland Valley National Bank & Trust CompanyBank London, KY | 69 out of 100, Moderate | $816.1M | 9.5% | 0.22% | vs |
| Franklin Bank & Trust CompanyBank Franklin, KY | 75 out of 100, Strong | $803.6M | 13.5% | 1.08% | vs |
| Farmers Bank and Trust CompanyBank Marion, KY | 74 out of 100, Strong | $794.0M | 9.2% | 0.23% | vs |
| FNB Bank, Inc.Bank Mayfield, KY | 65 out of 100, Moderate | $770.0M | 8.5% | 0.68% | vs |
Deposit insurance
Is my money safe at American Bank & Trust Company, Inc.?
Yes. American Bank & Trust Company, Inc. is an FDIC-insured institution (FDIC certificate #35568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.0% of deposits ($192.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.39% (benchmark: 10%).
6 locations
Branches
American Bank & Trust Company, Inc. lists 6 offices in 1 city. Most locations:
HMDA 2025
Mortgage lending
In 2025, American Bank & Trust Company, Inc. reported 349 home-loan applications under HMDA (LEI 549300CVK4UVTLHJ0R80): 295 originated ($132,655,000 total), 13 denied, and 37 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- American Bank & Trust Company, Inc.
- Type
- State-chartered bank
- FDIC certificate #
- 35568
- RSSD ID
- 2919898
- Primary regulator
- FDIC
- Holding company
- First Breckinridge Bancshares
- Established
- July 5, 2000
- Headquarters
- 531 Lovers Ln, Bowling Green, KY 42103
- Website
- www.ambanking.com
- Employees
- 102
Quick answers
American Bank & Trust Company, Inc.: common questions
Is American Bank & Trust Company, Inc. FDIC insured?
Yes. American Bank & Trust Company, Inc. is an FDIC-insured institution (FDIC certificate #35568). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is American Bank & Trust Company, Inc.'s TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has American Bank & Trust Company, Inc. ever failed?
There is no failure record for FDIC certificate #35568 in the FDIC failed bank list.
How many branches does American Bank & Trust Company, Inc. have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bowling Green
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edmonton State BankBank Glasgow, KY | 82 out of 100, Strong | $1.2B | 11.5% | 0.32% | vs |
| Franklin Bank & Trust CompanyBank Franklin, KY | 75 out of 100, Strong | $803.6M | 13.5% | 1.08% | vs |
| German American BankBank Jasper, IN | 75 out of 100, Strong | $8.4B | 11.2% | 0.45% | vs |
| Farmers Bank and Trust CompanyBank Marion, KY | 74 out of 100, Strong | $794.0M | 9.2% | 0.23% | vs |
| South Central Bank, Inc.Bank Glasgow, KY | 72 out of 100, Strong | $2.3B | 9.9% | 0.30% | vs |
| Stock Yards Bank & Trust CompanyBank Louisville, KY | 72 out of 100, Strong | $10.4B | 10.7% | 0.31% | vs |