2815 Meredyth Drive
Albany, GA 31708
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Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.30% 0.75% →
2-Year CD 0.40% 0.80% →
5-Year CD 0.50% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

AB&T is an FDIC insured institution located in Albany, GA. It was founded in 1999 and has approximately $0.26 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 35029
Date Established 1999
Assets $ 256.13 million
Loans $ 162.86 million
Deposits $ 222.95 million
Capital $ 22.55 million

For a more detailed analysis of AB&T's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
18 Mo CD
0.30% $10,000 $14,999 Learn More
18 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
30 Mo CD
0.40% $10,000 $14,999 Learn More
30 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.50% $10,000 $14,999 Learn More
60 Mo CD
0.50% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 25, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for AB&T

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 330511
3.166% 3.125%
0.50 points
$1,312 fees
$1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to AB&T
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Climate Initiatives

AB&T is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

AB&T Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of AB&T. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
AB&T U.S. Bank Average
0.48% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, AB&T had $122,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $22,548,000 in equity and $2,631,000 in loans loss reserves. That gives it a Texas Ratio of 0.48%.

Return on Equity
AB&T U.S. Bank Average
10.59% 11.29%

AB&T has a Return on Equity of 10.59% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

AB&T U.S. Bank Average
8.8% 11.72%

AB&T has a Capitalization of 8.8% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

AB&T Balance Sheet Analysis

As of June 30, 2021, AB&T had assets of $256,132,000, loans of $162,862,000, and deposits of $222,951,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 84.80 million
Interest-bearing balances $ 0.09 million
Total securities $ 3.10 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 162.86 million
Loan loss allowance $ 2.63 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.10 million
     Total Assets $ 233.58 million
Total deposits $ 222.95 million
      Interest-bearing deposits $ 123.48 million
      Deposits held in domestic offices $ 222.95 million
      % insured (estimated) 61.76%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 10.13 million
Subordinated debt N.A.
All other liabilities $ 0.51 million
      Total Liabilities $ 233.58 million
      Shareholders’ Equity $ 22.55 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 4.01 million
Total Interest Expense $ 0.39 million
Net interest income $ 3.62 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.48 million
Total non interest expense $ 2.62 million
Pre-tax Net Operating Income $ 1.48 million

Bank Loan Profile?

The top three loan types in AB&T’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, AB&T’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.05
Credit Card Loans 0.00
Consumer Auto Loans 0.14
Small Business Loans 7.83
Construction and Development Loans 4.97
Commercial Real Estate 28.54
Commercial and Industrial Loans 25.25
Farm Loans 1.88

Frequently Asked Questions About Ab&t

Branches and Savings

Is Ab&t FDIC insured?

Yes. It is covered under FDIC Certificate #35029.

Why does Ab&t pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Ab&t CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Ab&t a commercial bank?


Where are Ab&t locations?

See branch locations nearby.

Is Ab&t open on Saturdays?

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Do Ab&t branches have notaries?

Will Ab&t notarize my document?

What address for Ab&t should I put for incoming ACH transfers?

Will the Ab&t branch print checks?

Do Ab&t checks expire?

Does Ab&t require US citizenship to open account?

Can Ab&t close my account?

Does Ab&t Report to credit bureaus?

Does Ab&t Use Equifax?

What is Ab&t's ACH Routing Number?

What is Ab&t's SWIFT code?


Does Ab&t offer mortgages?

Compare mortgage rates here.

Does Ab&t offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ab&t offer personal loans?

Compare personal loan rates here.

Does Ab&t offer student loans?

Will Ab&t cash a check?

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Background on The Bank

Who owns Ab&t?

How long has Ab&t been around?

Can Ab&t transfer to other banks?

Does Ab&t have quick pay?

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