First American Bank and Trust Company (FDIC certificate #16858) is based in Athens, Georgia. Its Q2 2026 call report shows $901.9M in total assets and $753.2M in deposits and 8 offices.
Based on its Q2 2026 filing, First American Bank and Trust Company scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 23rd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (44/100; 93% loans-to-deposits, 36% uninsured).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 86).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 83 |
| Q4 2024 | 83 |
| Q1 2025 | 84 |
| Q2 2025 | 85 |
| Q3 2025 | 85 |
| Q4 2025 | 85 |
| Q1 2026 | 85 |
| Q2 2026 | 86 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.50% |
| Q3 2024 | 12.27% |
| Q4 2024 | 12.61% |
| Q1 2025 | 12.85% |
| Q2 2025 | 12.60% |
| Q3 2025 | 12.80% |
| Q4 2025 | 12.91% |
| Q1 2026 | 13.37% |
| Q2 2026 | 13.34% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.03% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.60% |
| Q3 2024 | 1.69% |
| Q4 2024 | 1.66% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.90% |
| Q3 2025 | 1.95% |
| Q4 2025 | 2.01% |
| Q1 2026 | 1.90% |
| Q2 2026 | 1.98% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $901.9M | 13.34% | 0.00% | 1.98% | 93.1% |
| Q1 2026 | 85 | $889.7M | 13.37% | 0.03% | 1.90% | 93.0% |
| Q4 2025 | 85 | $853.2M | 12.91% | 0.00% | 2.01% | 91.2% |
| Q3 2025 | 85 | $863.9M | 12.80% | 0.00% | 1.95% | 86.5% |
| Q2 2025 | 85 | $912.4M | 12.60% | 0.00% | 1.90% | 86.2% |
| Q1 2025 | 84 | $879.2M | 12.85% | 0.00% | 1.68% | 83.4% |
| Q4 2024 | 83 | $804.8M | 12.61% | 0.01% | 1.66% | 87.8% |
| Q3 2024 | 83 | $804.9M | 12.27% | 0.01% | 1.69% | 84.5% |
| Q2 2024 | 79 | $869.6M | 11.50% | 0.02% | 1.60% | 82.4% |
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 Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers and Merchants BankBank Lakeland, GA | 58 out of 100, Moderate | $862.0M | 9.7% | 1.86% | vs |
| First Century Bank, National AssociationBank Commerce, GA | 90 out of 100, Very strong | $831.6M | 16.8% | 0.00% | vs |
| Barwick Banking CompanyBank Barwick, GA | 57 out of 100, Moderate | $829.6M | 8.7% | 0.49% | vs |
| PromiseOne BankBank Duluth, GA | 68 out of 100, Moderate | $812.2M | 10.1% | 0.81% | vs |
| Citizens Trust BankBank Atlanta, GA | 71 out of 100, Strong | $790.3M | 13.2% | 1.63% | vs |
| First National Community BankBank Chatsworth, GA | 84 out of 100, Strong | $754.7M | 12.9% | 0.43% | vs |
Deposit insurance
Is my money safe at First American Bank and Trust Company?
Yes. First American Bank and Trust Company is an FDIC-insured institution (FDIC certificate #16858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.3% of deposits ($273.3M) 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 13.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.47% (benchmark: 10%).
8 locations
Branches
First American Bank and Trust Company lists 7 offices in 5 cities. Most locations:
- Athens, GA (3)
- Clayton, GA (1)
- Lawrenceville, GA (1)
- Watkinsville, GA (1)
- Winder, GA (1)
HMDA 2025
Mortgage lending
In 2025, First American Bank and Trust Company reported 255 home-loan applications under HMDA (LEI 549300WHACUOETOKO184): 232 originated ($86,460,000 total), 6 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, 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
- First American Bank and Trust Company
- Former names
- Hubert State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16858
- RSSD ID
- 921039
- Primary regulator
- FDIC
- Holding company
- First American Bcorp
- Established
- January 1, 1934
- Headquarters
- 300 College Ave, Athens, GA 30601
- Website
- www.fabt.bank
- Employees
- 109
Quick answers
First American Bank and Trust Company: common questions
Is First American Bank and Trust Company FDIC insured?
Yes. First American Bank and Trust Company is an FDIC-insured institution (FDIC certificate #16858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First American Bank and Trust Company's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First American Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #16858 in the FDIC failed bank list.
How many branches does First American Bank and Trust Company have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Athens
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Robins Financial Credit UnionCredit union Warner Robins, GA | 94 out of 100, Very strong | $5.0B | 17.6% | 0.40% | vs |
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| First Century Bank, National AssociationBank Commerce, GA | 90 out of 100, Very strong | $831.6M | 16.8% | 0.00% | vs |
| Magnolia State BankBank Eastman, GA | 87 out of 100, Very strong | $198.7M | 15.6% | 1.21% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |