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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Georgia, the state note

First American Bank & Trust Co.

Athens, Georgia · $902M in assets · beside the 11 other Georgia banks between $300M and $1B

The filing

52.7%
CRE / loans
12th of 12
293.1%
CRE / capital
12th of 12
1.96%
ROA
2nd of 12

First American Bank & Trust Co. is the second largest of the 12 Georgia banks nearest its size between $300M and $1B, with $902M in assets at 30 June 2026. Loans are 94.2% of deposits, 10th of 12 against a median of 82.7%, and equity is 13.0% of assets, 4th of 12. Loans grew +11.5% in the year, 5th of 12, and deposits grew 3.3%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 0.00% of the book, 4th of 12 against a median of 0.48%; 0.08% is 30 to 89 days past due, and the allowance covers them 462.1 times. Commercial real estate is 52.7% of loans, the highest in the cohort against a median of 34.7%, and 293% of capital, below the 300% screen, with construction at 94% against the 100% screen.

Return on assets is 1.96%, 2nd of 12 against a median of 1.56%, on an efficiency ratio of 49.6%, 4th of 12. Five years ago it was 0.98%. 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 17.7% of loans).

Commercial real estate, share of loansGA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 34.7% FC First Century Bank N.A. 5.6% FS First State Bank of Blakely 11.1% FS FNB South 22.3% CT Citizens Trust Bank 31.4% BB Barwick Banking Co. 32.0% AB Affinity Bank National Association 33.2% OS Oconee State Bank 36.2% FM Farmers & Merchants Bank 37.8% FN First National Community Bank 39.8% PS Peach State Bank & Trust 41.3% PB Promiseone Bank 41.9% FA First American Bank & Trust Co. 52.7%
Loans, year over yearGA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.9% FC First Century Bank N.A. +49.7% BB Barwick Banking Co. +31.6% OS Oconee State Bank +16.2% FS FNB South +12.1% FA First American Bank & Trust Co. +11.5% FM Farmers & Merchants Bank +7.5% PS Peach State Bank & Trust +6.4% PB Promiseone Bank +2.5% FN First National Community Bank +2.3% AB Affinity Bank National Association +2.3% FS First State Bank of Blakely -1.0% CT Citizens Trust Bank -2.0%

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
First AmericanRankCohort median
Total CRE against capital, the 300% screen293%12th of 12237%
Construction against capital, the 100% screen94%9th of 1255%
Construction and land development, share of loans16.9%10th of 1210.6%
Non-owner-occupied nonfarm nonresidential, share of loans28.8%11th of 1217.8%
Total CRE, the guidance definition, share of loans52.7%12th of 1234.7%
CRE growth over 36 months, the third prong+43.2%7th of 12+41.0%
Commercial real estate against capital, the 300% screenGA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 237% FC First Century Bank N.A. 6% FS First State Bank of Blakely 37% FS FNB South 90% CT Citizens Trust Bank 110% AB Affinity Bank National Association 220% FN First National Community Bank 225% OS Oconee State Bank 248% PS Peach State Bank & Trust 253% PB Promiseone Bank 284% FM Farmers & Merchants Bank 285% BB Barwick Banking Co. 292% FA First American Bank & Trust Co. 293%
CRE growth over 36 months, the guidance's third prongGA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +41.0% CT Citizens Trust Bank +9.3% FN First National Community Bank +14.5% PS Peach State Bank & Trust +24.5% AB Affinity Bank National Association +34.5% FS FNB South +36.3% PB Promiseone Bank +38.8% FA First American Bank & Trust Co. +43.2% OS Oconee State Bank +57.9% FS First State Bank of Blakely +62.6% BB Barwick Banking Co. +93.2% FM Farmers & Merchants Bank +113.7% FC First Century Bank N.A. +171.4%

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
Affinity Bank National Association$915M1.1%61.6%0.47%0.03%1.2%102.1%12.9%
First American Bank & Trust Co.$902M2.0%49.6%0.00%0.00%1.1%94.2%13.0%
Farmers & Merchants Bank$862M1.6%48.1%1.86%0.22%1.2%79.1%8.6%
First Century Bank N.A.$832M1.8%62.3%0.00%0.00%0.4%20.3%16.2%
Barwick Banking Co.$830M0.8%62.8%0.49%0.10%1.0%99.8%8.5%
Promiseone Bank$812M1.5%58.1%0.81%0.10%1.0%84.5%8.6%
Citizens Trust Bank$790M1.6%54.1%1.63%0.04%1.3%57.5%12.5%
Peach State Bank & Trust$786M1.4%54.8%0.00%-0.02%1.1%74.1%9.5%
First National Community Bank$755M1.9%48.8%0.43%-0.01%1.3%82.7%12.9%
Oconee State Bank$744M0.8%73.3%2.83%0.02%1.3%82.7%9.3%
FNB South$735M2.6%46.1%0.00%-1.40%3.2%81.5%15.9%
First State Bank of Blakely$668M1.8%51.4%3.36%0.00%1.5%85.3%19.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First AmericanCohort median
20212026Change20212026Change
Loans$429M$709M+65%$320M$542M+69%
Deposits$700M$753M+8%$463M$698M+51%
NPA / loans0.26%0.00%-0.26 pts0.96%0.48%-0.48 pts
Efficiency63.6%49.6%-14.0 pts64.3%54.4%-9.9 pts
ROA0.98%1.96%+0.98 pts1.01%1.56%+0.55 pts

This read was prepared for First American Bank & Trust Co.'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 First American Bank & Trust Co. 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 GA banks $300M to $1B
Institution www.fabt.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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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