2026 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 | $ 261.18 million |
| Loans | $ 179.01 million |
| Deposits | $ 238.64 million |
| Capital | $ 31.09 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 - September 30, 2026
Your Current Location: New York, NY 10116
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Loan Rates - September 30, 2026
Your Current Location: New York, NY 10116
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 - New York 30 Year Fixed Mortgage Rates 2026
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Branches
AB&T branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
AB&T Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 827.12 | A | View Lobby Hours | |
| 829.21 | B | View Lobby Hours | |
| 829.83 | C | View Lobby Hours | |
| 829.85 | D | View Lobby Hours |
Climate Policy and Initiatives
AB&T is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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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 |
|---|---|
| 2.97% | 5.57% |
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 December 31, 2025, AB&T had $997,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $31,085,000 in equity and $2,482,000 in loans loss reserves. That gives it a Texas Ratio of 2.97%.
Return on Equity
| AB&T | U.S. Bank Average |
|---|---|
| 16.64% | 10.69% |
AB&T has a Return on Equity of 16.64% versus the BestCashCow average of 10.69%. 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.
Capitalization
| AB&T | U.S. Bank Average |
|---|---|
| 11.9% | 11.75% |
AB&T has a Capitalization of 11.9% versus the BestCashCow average of 11.75. 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 March 31, 2026, AB&T had assets of $261,184,000, loans of $179,013,000, and deposits of $238,635,000. 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
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 17.92 million |
| Interest-bearing balances | $ 17.08 million |
| Total securities | $ 31.40 million |
| Federal funds sold and reverse repurchase | $ 38.18 million |
| Net loans and leases | $ 179.01 million |
| Loan loss allowance | $ 2.48 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 | $ 2.61 million |
| Total Assets | $ 240.47 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 238.64 million |
| Interest-bearing deposits | $ 155.46 million |
| Deposits held in domestic offices | $ 238.64 million |
| % insured (estimated) | 59.20% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 3.77 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.51 million |
| Total Liabilities | $ 240.47 million |
| Shareholders’ Equity | $ 20.71 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 3.78 million |
| Total Interest Expense | $ 0.73 million |
| Net interest income | $ 3.05 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.26 million |
| Total non interest expense | $ 1.62 million |
| Pre-tax Net Operating Income | $ 1.46 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 in Georgia, AB&T has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.
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.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 29.68 | ✓ | ||
| Multifamily Mortgages |
1.09 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.09 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 9.61 | ✓ | ||
| Commercial Real Estate | 28.62 | ✓ | ||
| Commercial and Industrial Loans | 20.81 | ✓ | ||
| Farm Loans | 2.37 | ✓ | ||
Customer Reviews for AB&T
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