AB&T
Albany, GA
IDRSSD: 2775151
Total Assets
$262.94M
Latest filing
Total Deposits
$230.07M
Latest filing
Net Interest Margin
4.77%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
AB&T
2815 Meredyth Dr
Albany, GA 31707
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/28/1999FDIC Certificate 73853
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| AB&T (Main) | 2815 Meredyth Dr | Albany, GA |
| MESSENGER SERVICE BRANCH | 2815 Meredyth Dr | Albany, GA |
| DOWNTOWN BRANCH | 241 Pine Ave | Albany, GA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/28/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31707 |
| State and County Number | 13095 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Albany, GA |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 04/28/1999 |
| Primary Insurance Agency | DIF |
| Website | www.abtgold.com |
| Data Updated | 11/14/2025 |
| CERT | 35029 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $262.94M |
| Total Deposits | $230.07M |
| Total Liabilities | $232.28M |
| Total Equity Capital | $30.66M |
| Net Income | $1.30M |
| Net Loans and Leases | $190.81M |
| Assets Per Employee ($Millions) | $10.11M |
| Bank Premises and Fixed Assets | $2.87M |
| Cash and Balances due from Depository Institutions | $13.13M |
| Deposits Held in Domestic Offices | $230.07M |
Key Performance Ratios
| Return on Assets (ROA) | 2% |
| Return on Equity (ROE) | 17.17% |
| Net Interest Margin | 4.77% |
| Efficiency Ratio | 51.79% |
| Tier 1 Risk-Based Capital Ratio | 16.199% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.662% |
| Earning Assets to total Assets | 97.77% |
Income and Expense
| Total Interest Income | $3.80M |
| Total Noninterest Income | $260.00k |
| Total Interest Expense | $769.00k |
| Total Noninterest Expense | $1.71M |
| Net Interest Income | $3.03M |
| Pre-tax Net Operating Income | $1.59M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $643.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $33.11M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.57M |
| Total Liabilities and Capital | $262.94M |
Securities
| Securities | $20.84M |
| Available-for-sale debt securities | $20.84M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of AB&T?
$262.94M as of the latest filing.
How much are AB&T's total deposits?
$230.07M in total deposits.
Where is AB&T located?
Albany, GA.
What is the Net Interest Margin?
4.77%.
How many domestic offices does it operate?
3.
When was it established?
04/28/1999.
What is the Return on Assets (ROA)?
2%.
How much are total loans and leases?
$190.81M (latest filing).
What is the total interest income (latest filing)?
$3.80M.