B
AB&T
AlbanyGA
Rating Date
October 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 7.90
Capitalization Index 10.00
Liquidity Index 2.70
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 1.35%
5-Year Asset Growth 7.57%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.53%
Non-Performing Loans to Capital 4.18%
Non-Performing Loans to Loans 0.72%
Balance Sheet AB&T
Albany, GA
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Total Assets 262.94M
Total Deposits 230.07M
Capital and Reserves AB&T
Albany, GA
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Capital 30.66M
Leverage Ratio 11.95
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio 17.45
Liquidity AB&T
Albany, GA
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Hot Money Ratio 5.35%
Liquidity Ratio 28.88%
Profitability AB&T
Albany, GA
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5-Year Return on Average Assets 1.32%
Net Income 3.72M
Net Interest Spread 4.58%
Operating Profit to Average Assets 2.47%
Overhead Efficiency Ratio 49.53%
Return on Assets 1.90%
Return on Equity 16.52%