B
AB&T
Albany,  GA
Rating Date
August 2026
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 8.40
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 10.00
Stability Index 6.30
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 1.26%
5-Year Asset Growth -0.12%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans -0.01%
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 261.18M
Total Deposits 227.92M
Capital and Reserves AB&T
Albany, GA
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Capital 31.40M
Leverage Ratio 11.85
Loan Loss Reserves to Loans 1.33%
Risk-Based Capital Ratio 18.22
Liquidity AB&T
Albany, GA
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Hot Money Ratio 5.43%
Liquidity Ratio 31.21%
Profitability AB&T
Albany, GA
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5-Year Return on Average Assets 1.52%
Net Income 2.60M
Net Interest Spread 4.59%
Operating Profit to Average Assets 2.58%
Overhead Efficiency Ratio 48.12%
Return on Assets 1.92%
Return on Equity 16.65%