2815 Meredyth Drive
Albany, GA 31708


General Bank Information

FDIC Insured Yes
FDIC Certificate # 35029
Date Established 1999
Assets $0.17 billion
Loans $0.14 billion
Deposits $0.14 billion
Capital $0.02 billion

AB&T is an FDIC insured institution located in Albany, GA. It was founded in 1999 and has approximately $0.17 billion in assets. Customers can open an account at one of its 4 branches.

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.

Bank Loan Profile?

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

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.61
Credit Card Loans 0.00
Consumer Auto Loans 0.09
Small Business Loans 0.00
Construction and Development Loans 3.05
Commercial Real Estate 30.42
Commercial and Industrial Loans 20.91
Farm Loans 5.08

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.20% $500 - Learn MoreShow Less
6 Mo CD 10K
0.25% $500 - Learn MoreShow Less
12 Mo CD 10K
0.89% $500 - Learn MoreShow Less
18 Mo CD 10K
0.75% $500 - Learn MoreShow Less
24 Mo CD 10K
0.90% $500 - Learn MoreShow Less
30 Mo CD 10K
0.95% $500 - Learn MoreShow Less
36 Mo CD 10K
1.10% $500 - Learn MoreShow Less
48 Mo CD 10K
1.26% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $300 - Learn MoreShow Less
Fixed IRA 0K
0.89% $500 - Learn MoreShow Less
0.15% $1,001 $25,000 Learn MoreShow Less
0.20% $25,001 $50,000 Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.05% $1,001 $10,000 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Ally Mortgage
NMLS ID: 181005
4.524% 4.500% 0.00 $786 $1,267 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.275% 4.250% -0.13 $862 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.040% 4.990% 0.25 $1,424 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
5.040% 4.990% 0.25 $1,424 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.740% $231.27 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to AB&T
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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.

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AB&T Locations

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
0.34% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2017, AB&T had $71,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $19,004,000 in equity and $1,861,000 in loans loss reserves. That gives it a Texas Ratio of 0.34%.

Return on Equity
AB&T U.S. Bank Average
6.16% 8.84%

AB&T has a Return on Equity of 6.16% versus the BestCashCow average of 8.84%. 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
10.91% 12.21%

AB&T has a Capitalization of 10.91% versus the BestCashCow average of 12.21. 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 September 30, 2017, AB&T had assets of $174,133,000, loans of $137,919,000, and deposits of $138,566,000. 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.

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?

Is Ab&t open on Sundays?

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What time does Ab&t close?

Are Ab&t ATMs Open 24/7?

Do Ab&t ATMs accept cash deposits?

Can Ab&t customers use other ATMs?

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?

Will Ab&t redeem a savings bond?

Does Ab&t cash savings bonds?

Will Ab&t cash money orders?

Can Ab&t issue a money order?

Does Ab&t do currency exchange?

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?

Does Ab&t accept rolled coins?

Will Ab&t accept loose change?

Where is Ab&t headquarters?

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