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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Kentucky, the state note

American Bank & Trust Co. Inc

Bowling Green, Kentucky · $924M in assets · beside the 11 other Kentucky banks between $300M and $1B

The filing

48.8%
CRE / loans
12th of 12
0.8x
Coverage of noncurrent
12th of 12
373.9%
CRE / capital
12th of 12

American Bank & Trust Co. Inc is the second largest of the 12 Kentucky banks nearest its size between $300M and $1B, with $924M in assets at 30 June 2026. Loans are 93.2% of deposits, 8th of 12 against a median of 81.0%, and equity is 9.1% of assets, 7th of 12. Loans grew +2.6% in the year, 11th of 12, and deposits grew 3.6%; the cohort's median loan growth is +5.6%.

Noncurrent loans are 1.22% of the book, 11th of 12 against a median of 0.50%; 0.55% is 30 to 89 days past due, and the allowance covers them 0.8 times. Commercial real estate is 48.8% of loans, the highest in the cohort against a median of 28.9%, and 374% of capital, above the 300% screen, with construction at 171% against the 100% screen.

Return on assets is 1.03%, 11th of 12 against a median of 1.29%, on an efficiency ratio of 56.0%, 4th of 12. Five years ago it was 0.55%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 8.0% of loans).

Commercial real estate, share of loansKY banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 28.9% FF First & Farmers National Bank Inc 14.3% FB FNB Bank Inc 18.7% HB Hearthside Bank Corp. 21.3% FN Farmers National Bank of Danville 26.7% CN Citizens National Bank of Somerset 28.1% FB Farmers Bank & Trust Co. 28.4% PE Peoples Exchange Bank 29.4% WM Wilson & Muir Bank & Trust Co. 30.9% CB Citizens Bank of Kentucky Inc 33.4% CV Cumberland Valley National Bank & Trust Co. 37.0% FB Franklin Bank & Trust Co. 38.1% AB American Bank & Trust Co. Inc 48.8%
Loans, year over yearKY banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.6% FB Farmers Bank & Trust Co. +11.5% CN Citizens National Bank of Somerset +11.0% FB Franklin Bank & Trust Co. +7.9% HB Hearthside Bank Corp. +6.4% FF First & Farmers National Bank Inc +6.0% PE Peoples Exchange Bank +5.6% FB FNB Bank Inc +5.5% FN Farmers National Bank of Danville +5.2% CB Citizens Bank of Kentucky Inc +4.8% WM Wilson & Muir Bank & Trust Co. +4.3% AB American Bank & Trust Co. Inc +2.6% CV Cumberland Valley National Bank & Trust Co. -0.2%

SBA 7(a), FY2008 to FY2026

American Bank & Trust Co. Inc is the 106th largest 7(a) lender into Kentucky of 267, with $4M across 18 loans, 0.1% of everything approved in the state (The Huntington National Bank leads with $254M). Every market on its book has had an approval since FY2023.

Where it lends in Kentucky, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Warren, KY$3M10th of 462.9%+11.3 pts
Allen, KY$630K4th of 119.7%thin
Montgomery, TN$415K48th of 650.3%thin
Simpson, KY$335K8th of 152.3%thin
Edmonson, KY$260K3rd of 1010.9%thin
Jefferson, KY$68K120th of 1230.0%thin
Macon, TN$65K6th of 71.7%thin
Barren, KY$60K18th of 200.1%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Arts, entertainment & recreation5$1M34.4%0.01%674th of 1,656
Administrative & waste services2$695K16.0%0.00%932nd of 1,763
Construction2$485K11.2%0.00%1487th of 2,063
Manufacturing1$477K11.0%0.00%1697th of 2,246
Other services3$428K9.8%0.00%1539th of 2,248
7(a) lenders into Kentucky, share of approvals since FY2008267 lenders on record; the ten largest and American Bank
TH The Huntington National Bank 8.1% $254M · 1,146 loans SY Stock Yards Bank & Trust Company 7.7% $241M · 552 loans LO Live Oak Banking Company 7.4% $232M · 177 loans UB U.S. Bank, National Association 6.6% $206M · 1,215 loans CT Community Trust Bank, Inc. 5.7% $177M · 1,139 loans RB Republic Bank & Trust Company 4.4% $136M · 414 loans JC JPMorgan Chase Bank, National Ass… 2.1% $67M · 343 loans FF First Financial Bank 2.0% $64M · 158 loans G Gbank 2.0% $61M · 31 loans FT Fifth Third Bank 1.9% $58M · 209 loans AB American Bank & Trust Company, In… 0.1% $4M · 18 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
American BankRankCohort median
Total CRE against capital, the 300% screen374%12th of 12192%
Construction against capital, the 100% screen171%12th of 1270%
Construction and land development, share of loans22.4%12th of 129.5%
Non-owner-occupied nonfarm nonresidential, share of loans14.8%7th of 1214.1%
Total CRE, the guidance definition, share of loans48.8%12th of 1228.9%
CRE growth over 36 months, the third prong+38.1%11th of 12+22.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Farmers National Bank of Danville$990M1.3%63.5%1.78%0.03%1.5%94.7%9.9%
American Bank & Trust Co. Inc$924M1.0%56.0%1.22%0.03%1.0%93.2%9.1%
Wilson & Muir Bank & Trust Co.$818M2.5%46.2%0.27%0.04%1.0%75.6%6.9%
Cumberland Valley National Bank & Trust Co.$816M1.1%65.7%0.22%-0.08%1.4%75.9%9.2%
Franklin Bank & Trust Co.$804M1.6%51.5%1.08%0.15%0.9%106.0%13.4%
Farmers Bank & Trust Co.$794M1.8%56.5%0.23%0.02%0.7%94.4%8.9%
FNB Bank Inc$770M1.2%59.8%0.68%0.02%1.7%73.2%7.8%
First & Farmers National Bank Inc$714M1.5%56.4%0.77%0.05%1.5%78.5%11.0%
Citizens National Bank of Somerset$701M1.7%55.6%0.18%0.01%1.5%67.5%5.9%
Citizens Bank of Kentucky Inc$670M1.0%66.7%0.85%0.03%1.4%60.7%13.4%
Peoples Exchange Bank$610M1.3%62.0%0.06%0.02%1.2%99.2%9.7%
Hearthside Bank Corp.$609M0.8%72.2%0.32%-0.01%1.2%83.4%9.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
American BankCohort median
20212026Change20212026Change
Loans$362M$745M+106%$364M$534M+47%
Deposits$530M$800M+51%$527M$675M+28%
NPA / loans0.34%1.22%+0.88 pts0.39%0.50%+0.10 pts
Efficiency71.0%56.0%-15.0 pts68.6%58.2%-10.4 pts
ROA0.55%1.03%+0.48 pts1.00%1.29%+0.29 pts

This read was prepared for American Bank & Trust Co. Inc's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on American Bank & Trust Co. Inc is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort KY banks $300M to $1B
Institution www.ambanking.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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