Total Assets
$876M
Total balance-sheet footings
FDIC Cert #35568 · Bowling Green, Kentucky · Est. 2000
American Bank & Trust Company, Inc. - FDIC Bank Health Profile
A community-scale look at American Bank & Trust Company, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $876M
- Total assets
- A
- Health grade · Excellent
- 1.05%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
American Bank & Trust Company, Inc. earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.46% Tier 1, profitable at 1.05% ROA, efficient (55% cost ratio).
- #1,177
- largest of 4,313 FDIC banks by assets
- 73rd
- percentile by asset size, nationally
- 11.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 46th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How American Bank & Trust Company, Inc.'s 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
American Bank & Trust Company, Inc.'s composite health score
Tier 1 Capital Ratio (11.46%) 28/40
Return on Assets (ROA) (1.05%) 20/25
Texas Ratio (2.19%) 20/20
Efficiency Ratio (54.92%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$758M
Customer-funded liabilities
Net Loans
$701M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where American Bank & Trust Company, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. American Bank & Trust Company, Inc.'s score of 80/100 falls in the highlighted band.
American Bank & Trust Company, Inc.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). American Bank & Trust Company, Inc.'s $876M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.46%
Texas Ratio
2.19%
Equity Capital
$80M
Profitability metrics
Return on Assets (ROA)
46th percentile nationally
1.05%
Return on Equity (ROE)
12.42%
Efficiency Ratio
54.92%
What the numbers say about American Bank & Trust Company, Inc.
American Bank & Trust Company, Inc. is an FDIC-insured institution (Certificate #35568) headquartered in Bowling Green, Kentucky, established in 2000. It holds $876M in total assets - 1,177th of 4,313 FDIC-insured banks, $758M in customer deposits, and $701M in net loans. Looking at capital strength, Tier 1 stands at 11.46%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.19%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (80/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kentucky, American Bank & Trust Company, Inc. ranks 19th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$54M
Interest Income
$3M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. American Bank & Trust Company, Inc. reports a Texas Ratio of 2.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) American Bank & Trust Company, Inc. (FDIC Cert #35568) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| Heritage Bank, Inc.Burlington | $2.1B | B | 1.08% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
Frequently asked questions
What is American Bank & Trust Company, Inc.'s health grade?▼
American Bank & Trust Company, Inc. receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is American Bank & Trust Company, Inc.?▼
American Bank & Trust Company, Inc. holds $876M in total assets and $758M in deposits, ranking 1,177th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bowling Green, Kentucky.
Is my money safe at American Bank & Trust Company, Inc.?▼
Yes, deposits at American Bank & Trust Company, Inc. (Certificate #35568) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is American Bank & Trust Company, Inc.'s Tier 1 Capital Ratio?▼
American Bank & Trust Company, Inc. has a Tier 1 Capital Ratio of 11.46%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for American Bank & Trust Company, Inc.?▼
American Bank & Trust Company, Inc. has a Texas Ratio of 2.19%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is American Bank & Trust Company, Inc.?▼
American Bank & Trust Company, Inc. has an Efficiency Ratio of 54.92%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read American Bank & Trust Company, Inc.'s profile as a depositor or analyst.
- American Bank & Trust Company, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare American Bank & Trust Company, Inc. against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.