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 8.80
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 9.70
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 1.54%
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 0.00%
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 257.94M
Total Deposits 225.84M
Capital and Reserves AB&T
Albany, GA
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Capital 30.10M
Leverage Ratio 11.59
Loan Loss Reserves to Loans 1.40%
Risk-Based Capital Ratio 18.27
Liquidity AB&T
Albany, GA
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Hot Money Ratio 5.65%
Liquidity Ratio 34.64%
Profitability AB&T
Albany, GA
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5-Year Return on Average Assets 1.32%
Net Income 2.42M
Net Interest Spread 4.49%
Operating Profit to Average Assets 2.46%
Overhead Efficiency Ratio 48.35%
Return on Assets 1.83%
Return on Equity 16.19%