FIRST AMERICAN BANK&TRUST CO
ATHENS, GEORGIA · FDIC Cert #16858
Capital & Safety Analysis
According to FDIC financial data, FIRST AMERICAN BANK&TRUST CO holds a Tier 1 capital ratio of 17.00%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning FIRST AMERICAN BANK&TRUST CO has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
FIRST AMERICAN BANK&TRUST CO shows strong financial health indicators. With $870M in assets and a Health Score of 96/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST AMERICAN BANK&TRUST CO has a Bank Health Score of A (96/100). It holds a Tier 1 capital ratio of 17.00%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST AMERICAN BANK&TRUST CO holds $870M in total assets and $697M in total deposits. It is located in ATHENS, GEORGIA (FDIC Certificate #16858).
FIRST AMERICAN BANK&TRUST CO has a Tier 1 capital ratio of 17.00%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.02%, and the return on assets is 2.05%.
Yes. FIRST AMERICAN BANK&TRUST CO is FDIC-insured (Certificate #16858). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.