American Bank & Trust Company Inc.
Bowling Green, KY · Cert 35568 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Breckinridge Bancshares
State charter, non-member · FDIC · 5 affiliate banks · 6 branches (27 in holding)
Q2 2026
$924.4MAssets
$745.5MLoans
$800.0MDeposits
$84.2MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 74% of banks under $1B in assets operating in a single state (rank 193 of 746).
- Widest gap: net interest margin trails 80% of banks under $1B in assets operating in a single state (rank 597 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.01%
Rank 402 of 746
Net Interest Margin
3.06%
Rank 597 of 746
Efficiency Ratio
56.02%
Rank 193 of 746
Equity / Assets
9.11%
Rank 537 of 746
Non-interest income vs. expense
Unfavorable gap of $14.4M · efficiency ratio beats 74% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.72% | 1.06% | 1.45% | Beats 46% | 402 / 746 | | |
| Return on Equity | 11.08% | 6.74% | 10.51% | 13.63% | Beats 56% | 331 / 746 | | |
| Net Interest Margin | 3.06% | 3.17% | 3.68% | 4.16% | Beats 20% | 597 / 746 | | |
| Efficiency Ratio | 56.02% | 55.74% | 64.58% | 75.47% | Beats 74% | 193 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.22% | 0.09% | 0.42% | 1.07% | Beats 22% | 580 / 743 | | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 44% | 419 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.44% | 11.55% | 13.75% | 17.60% | Beats 24% | 570 / 746 | | |
| Total Risk-Based Capital Ratio | 12.39% | 11.71% | 14.33% | 18.43% | Beats 32% | 510 / 746 | | |
| Equity / Assets | 9.11% | 8.90% | 10.51% | 13.06% | Beats 28% | 537 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.19% | 61.31% | 78.27% | 90.78% | 80th pctl | 149 / 746 | | |
| Loans / Assets | 80.64% | 53.60% | 66.97% | 76.08% | 87th pctl | 99 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |