American Bank & Trust Company, Inc.
Bowling Green, KY
IDRSSD: 2919898
Total Assets
$875.58M
Latest filing
Total Deposits
$757.54M
Latest filing
Net Interest Margin
3.41%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
American Bank & Trust Company, Inc.
531 Lovers Ln
Bowling Green, KY 42103
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/05/2000FDIC Certificate 81679
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| American Bank & Trust Company, Inc. (Main) | 531 Lovers Ln | Bowling Green, KY |
| NASHVILLE ROAD BRANCH | 2927 Nashville Rd | Bowling Green, KY |
| LOUISVILLE ROAD BRANCH | 3411 Louisville Rd | Bowling Green, KY |
| FAIRVIEW AVE BRANCH | 1115 Fairview Ave | Bowling Green, KY |
| PLANO ROAD BRANCH | 5575 Scottsville Rd Ste 101 | Bowling Green, KY |
| SCOTTSVILLE BRANCH | 1302 Scottsville Rd | Bowling Green, KY |
Showing 5 of 5
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 | 07/05/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42103 |
| State and County Number | 21227 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Bowling Green, KY |
Operational Info
| Number of Employees | 98 |
| Domestic Offices | 6 |
| 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 | 07/05/2000 |
| Primary Insurance Agency | DIF |
| Website | www.ambanking.com |
| Data Updated | 01/30/2026 |
| CERT | 35568 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $875.58M |
| Total Deposits | $757.54M |
| Total Liabilities | $795.16M |
| Total Equity Capital | $80.42M |
| Net Income | $2.73M |
| Net Loans and Leases | $700.99M |
| Assets Per Employee ($Millions) | $8.58M |
| Bank Premises and Fixed Assets | $15.48M |
| Cash and Balances due from Depository Institutions | $11.36M |
| Deposits Held in Domestic Offices | $757.54M |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 13.84% |
| Net Interest Margin | 3.41% |
| Efficiency Ratio | 50.03% |
| Tier 1 Risk-Based Capital Ratio | 11.464% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.185% |
| Earning Assets to total Assets | 94.19% |
Income and Expense
| Total Interest Income | $13.54M |
| Total Noninterest Income | $719.00k |
| Total Interest Expense | $6.46M |
| Total Noninterest Expense | $3.90M |
| Net Interest Income | $7.08M |
| Pre-tax Net Operating Income | $3.63M |
| Provision for Credit Losses | $264.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $34.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $13.22M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.62M |
| Total Liabilities and Capital | $875.58M |
Securities
| Securities | $106.81M |
| Available-for-sale debt securities | $104.81M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of American Bank & Trust Company, Inc.?
$875.58M as of the latest filing.
How much are American Bank & Trust Company, Inc.'s total deposits?
$757.54M in total deposits.
Where is American Bank & Trust Company, Inc. located?
Bowling Green, KY.
What is the Net Interest Margin?
3.41%.
How many domestic offices does it operate?
6.
When was it established?
07/05/2000.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$700.99M (latest filing).
What is the total interest income (latest filing)?
$13.54M.