B
AB&T
AlbanyGA
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings AB&T
Albany, GA
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Rating B
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 3.70
Profitability Index 9.70
Stability Index 7.00
Company Info AB&T
Albany, GA
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FDIC Number 35029
Phone Number (229) 446-2265
Website www.abtgold.com
Asset Quality AB&T
Albany, GA
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1-Year Asset Growth 5.14%
5-Year Asset Growth 7.57%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet AB&T
Albany, GA
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Total Assets 271.97M
Total Deposits 238.60M
Capital and Reserves AB&T
Albany, GA
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Capital 29.90M
Leverage Ratio 11.35
Loan Loss Reserves to Loans 1.46%
Risk-Based Capital Ratio 18.35
Liquidity AB&T
Albany, GA
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Hot Money Ratio 6.17%
Liquidity Ratio 41.63%
Profitability AB&T
Albany, GA
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5-Year Return on Average Assets 1.32%
Net Income 1.18M
Net Interest Spread 4.38%
Operating Profit to Average Assets 2.40%
Overhead Efficiency Ratio 48.39%
Return on Assets 1.78%
Return on Equity 15.92%