150 West Hancock Avenue
Athens, GA 30601


General Bank Information

FDIC Insured Yes
FDIC Certificate # 28225
Date Established 1929
Assets $1.54 billion
Loans $1.23 billion
Deposits $1.28 billion
Capital $0.13 billion

AFB&T is an FDIC insured institution located in Athens, GA. It was founded in 1929 and has approximately $1.54 billion in assets.

For a more detailed analysis of AFB&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 AFB&T’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, AFB&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 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Afb&t, but see these great savings and CD rates:

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for AFB&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 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to AFB&T
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AFB&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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AFB&T Locations

Financial Details

AFB&T Ratio Analysis

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

Texas Ratio
AFB&T U.S. Bank Average
41.49% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, AFB&T had $64,160,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $125,008,000 in equity and $29,627,000 in loans loss reserves. That gives it a Texas Ratio of 41.49%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
AFB&T U.S. Bank Average
-19.86% 8.58

AFB&T has a Return on Equity of -19.86% versus the BestCashCow average of 8.58. 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.

AFB&T U.S. Bank Average
8.1% 12.11

AFB&T has a Capitalization of 8.1% versus the BestCashCow average of 12.11. 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.

AFB&T Balance Sheet Analysis

As of November 30, -0001, AFB&T had assets of $1,538,231,000, loans of $1,226,307,000, and deposits of $1,283,486,000. 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 AFB&T

Branches and Savings

Is AFB&T FDIC insured?

Yes. It is covered under FDIC Certificate #28225.

Why does AFB&T pay such low interest on savings accounts?

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

Why are AFB&T CD rates not competitive?

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

Is AFB&T a commercial bank?


Where are AFB&T locations?

See branch locations nearby.

Is AFB&T open on Saturdays?

Is AFB&T open on Sundays?

What time does AFB&T open?

What time does AFB&T close?

Are AFB&T ATMs Open 24/7?

Do AFB&T ATMs accept cash deposits?

Can AFB&T customers use other ATMs?

Do AFB&T branches have notaries?

Will AFB&T notarize my document?

What address for AFB&T should I put for incoming ACH transfers?

Will the AFB&T branch print checks?

Do AFB&T checks expire?

Does AFB&T require US citizenship to open account?

Can AFB&T close my account?

Does AFB&T Report to credit bureaus?

Does AFB&T Use Equifax?

What is AFB&T's ACH Routing Number?

What is AFB&T's SWIFT code?


Does AFB&T offer mortgages?

Compare mortgage rates here.

Does AFB&T offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does AFB&T offer personal loans?

Compare personal loan rates here.

Does AFB&T offer student loans?

Will AFB&T cash a check?

Will AFB&T redeem a savings bond?

Does AFB&T cash savings bonds?

Will AFB&T cash money orders?

Can AFB&T issue a money order?

Does AFB&T do currency exchange?

Background on The Bank

Who owns AFB&T?

How long has AFB&T been around?

Can AFB&T transfer to other banks?

Does AFB&T have quick pay?

Does AFB&T accept rolled coins?

Will AFB&T accept loose change?

Where is AFB&T headquarters?

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