B
AB&T
AlbanyGA
Rating Date
March 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 3.30
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 3.95%
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 0.36%
Non-Performing Loans to Capital 2.96%
Non-Performing Loans to Loans 0.53%
Balance Sheet AB&T
Albany, GA
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Total Assets 279.79M
Total Deposits 247.23M
Capital and Reserves AB&T
Albany, GA
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Capital 31.10M
Leverage Ratio 11.47
Loan Loss Reserves to Loans 1.33%
Risk-Based Capital Ratio 17.62
Liquidity AB&T
Albany, GA
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Hot Money Ratio 5.00%
Liquidity Ratio 36.29%
Profitability AB&T
Albany, GA
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5-Year Return on Average Assets 1.32%
Net Income 5.17M
Net Interest Spread 4.61%
Operating Profit to Average Assets 2.55%
Overhead Efficiency Ratio 47.98%
Return on Assets 1.95%
Return on Equity 17.08%