First American Bank and Trust Company
Athens, Georgia, Clarke County
$902M in total assets, the 1,164th largest of 4,309 US banks and 15th of 125 headquartered in Georgia.
- FDIC certificate
- 16858
- Established
- 1934
- Owned by
- First American Bcorp
- Primary regulator
- FDIC
- Website
- www.fabt.bank
At a glance
Compared with 98 banks headquartered in Georgia with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $902M | 98% | $334M | |
| Loans | $709M | 98% | $239M | |
| Deposits | $753M | 98% | $298M | |
| Return on assets | 2.01% | 81% | 1.54% | |
| Net interest margin | 4.64% | 53% | 4.51% | |
| Efficiency ratio | 49.6% | 22% | 57.9% | |
| Equity to assets | 13.03% | 74% | 10.89% | |
| Loans to deposits | 94% | 87% | 79% |
Growth
Total assets grew 1.1% a year over the last 5 years and 6.3% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2011 | Mountain Heritage Bank Clayton, GA | $104M |
| Jul 2009 | First Piedmont Bank Winder, GA | $114M |
Where they operate
7 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Clarke County, GA | $461M | 11.0% | 4 of 16 |
| Barrow County, GA | $102M | 5.8% | 6 of 11 |
| Gwinnett County, GA | $73M | 0.3% | 31 of 39 |
| Rabun County, GA | $68M | 9.5% | 4 of 6 |
| Oconee County, GA | $49M | 2.6% | 9 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (7 branches then and now). 1 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2016 | Closed Athens | 0 | 1 | −1 | 6 |
| 2020 | Opened Lawrenceville | 1 | 0 | +1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 46% | 32% | |
| 1-4 family residential | 25% | 31% | |
| Construction and land | 17% | 12% | |
| Multifamily | 7% | 3% | |
| Business (C&I) | 2% | 9% | |
| Consumer | 2% | 4% | |
| Farmland | 0% | 7% | |
| Agricultural | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 65% | 44% | |
| Noninterest-bearing | 29% | 26% | |
| Time deposits | 6% | 30% |
Brokered deposits are 0.0% of deposits (peers 2.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.00% | 0.32% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 1.11% | 1.37% |
| Leverage ratio | 13.34% | 11.57% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Georgia
Largest competitors in Clarke County, GA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-american-bank-trust-athens-ga