Side-by-side · Q2 2026 data
First American Bank and Trust Company vs Robins Financial Credit Union
Credit union
Robins Financial Credit Union
Warner Robins, Georgia · $1 billion – $10 billion
Metric by metric
| Measure | First American Bank and Trust Company | Robins Financial Credit Union |
|---|---|---|
| TellerScore | 86 | 94 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 99 (stronger) | 97 |
| Funding & liquidity | 44 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 90th | 99th |
| Total assets | $901.9M | $5.0B |
| Deposits / shares | $753.2M | $4.1B |
| Capital ratio | 13.34% | 17.61% (stronger) |
| Problem loans | 0.00% (stronger) | 0.40% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 1.98% (stronger) | 1.91% |
| Loans ÷ deposits | 93.1% | 70.6% (stronger) |
| Uninsured deposits | 36.3% | 7.2% (stronger) |
| Offices | 7 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | — |
Robins Financial Credit Union has the higher TellerScore (94 vs 86). On the 7 directional measures above (where higher or lower is clearly better), First American Bank and Trust Company leads on 3 and Robins Financial Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Athens, GA
- Watkinsville, GA