AB&T
Albany, GA · Cert 35029 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community Capital Bancshares
State charter, non-member · FDIC · 2 branches
Q2 2026
$261.2MAssets
$186.8MLoans
$227.9MDeposits
$31.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: equity / assets trails 32% of banks under $1B in assets operating in a single state (rank 242 of 746).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.99%
Rank 44 of 746
Net Interest Margin
4.58%
Rank 79 of 746
Efficiency Ratio
48.12%
Rank 82 of 746
Equity / Assets
12.02%
Rank 242 of 746
Non-interest income vs. expense
Unfavorable gap of $5.3M · efficiency ratio beats 89% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.99% | 0.72% | 1.06% | 1.45% | Beats 94% | 44 / 746 | |
| Return on Equity | 16.53% | 6.74% | 10.51% | 13.63% | Beats 90% | 75 / 746 | |
| Net Interest Margin | 4.58% | 3.17% | 3.68% | 4.16% | Beats 89% | 79 / 746 | |
| Efficiency Ratio | 48.12% | 55.74% | 64.58% | 75.47% | Beats 89% | 82 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 16.96% | 11.55% | 13.75% | 17.60% | Beats 72% | 210 / 746 | |
| Total Risk-Based Capital Ratio | 18.22% | 11.71% | 14.33% | 18.43% | Beats 74% | 192 / 746 | |
| Equity / Assets | 12.02% | 8.90% | 10.51% | 13.06% | Beats 68% | 242 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 81.96% | 61.31% | 78.27% | 90.78% | 58th pctl | 317 / 746 | |
| Loans / Assets | 71.52% | 53.60% | 66.97% | 76.08% | 61st pctl | 291 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |