First American Bank and Trust Company
Athens, GA
IDRSSD: 921039
Total Assets
$853.22M
Latest filing
Total Deposits
$720.70M
Latest filing
Net Interest Margin
4.78%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First American Bank and Trust Company
300 College Ave
Athens, GA 30601
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 10956
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First American Bank and Trust Company (Main) | 300 College Ave | Athens, GA |
| WEST BROAD BRANCH | 2241 W Broad St | Athens, GA |
| NORTH ATHENS BRANCH | 825 Hull Rd | Athens, GA |
| WATKINSVILLE BRANCH | 1681 Experiment Station Rd | Watkinsville, GA |
| MOUNTAIN HERITAGE BANK BRANCH | 550 Highway 441 S | Clayton, GA |
| MESSENGER SERVICE | 300 College Ave | Athens, GA |
| FIRST PIEDMONT BANK BRANCH | 65 E May St | Winder, GA |
| LAWRENCEVILLE | 235 W Crogan St | Lawrenceville, GA |
Showing 7 of 7
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 | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30601 |
| State and County Number | 13059 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers 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 | Athens-Clarke County, GA |
Operational Info
| Number of Employees | 106 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2025 |
| Date of Deposit Insurance | 11/01/1949 |
| Primary Insurance Agency | DIF |
| Website | www.fabt.bank |
| Data Updated | 01/30/2026 |
| CERT | 16858 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $853.22M |
| Total Deposits | $720.70M |
| Total Liabilities | $740.72M |
| Total Equity Capital | $112.50M |
| Net Income | $4.67M |
| Net Loans and Leases | $657.63M |
| Assets Per Employee ($Millions) | $7.69M |
| Bank Premises and Fixed Assets | $11.51M |
| Cash and Balances due from Depository Institutions | $18.64M |
| Deposits Held in Domestic Offices | $720.70M |
Key Performance Ratios
| Return on Assets (ROA) | 2.18% |
| Return on Equity (ROE) | 16.87% |
| Net Interest Margin | 4.78% |
| Efficiency Ratio | 49.23% |
| Tier 1 Risk-Based Capital Ratio | 17.413% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.185% |
| Earning Assets to total Assets | 94.78% |
Income and Expense
| Total Interest Income | $11.57M |
| Total Noninterest Income | $1.63M |
| Total Interest Expense | $1.83M |
| Total Noninterest Expense | $5.60M |
| Net Interest Income | $9.73M |
| Pre-tax Net Operating Income | $5.67M |
| Provision for Credit Losses | $102.00k |
| 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 | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $10.41M |
| All Other Liabilities | $4.61M |
| Total Liabilities and Capital | $853.22M |
Securities
| Securities | $141.47M |
| Available-for-sale debt securities | $137.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $4.23M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First American Bank and Trust Company?
$853.22M as of the latest filing.
How much are First American Bank and Trust Company's total deposits?
$720.70M in total deposits.
Where is First American Bank and Trust Company located?
Athens, GA.
What is the Net Interest Margin?
4.78%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
2.18%.
How much are total loans and leases?
$657.63M (latest filing).
What is the total interest income (latest filing)?
$11.57M.