AB&T

ALBANY, GA · Supervised by FDIC

Est. 1999FDIC #35,029RSSD: FDIC-35029

Part ofCOMMUNITY CAPITAL BANCSHARES→ View all charters

Satisfactory Same

Current rating · Exam: May 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.84%

Institution Profile

FDIC BankFind

Website

www.abtgold.com

Address

2815 Meredyth Dr, ALBANY, GA

County

Dougherty County

Established

April 28, 1999

Total Assets

$272M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2025

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:May 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$272M

Total Deposits

$239M

Net Loans

$179M

Net Income

$1M

ROA

1.84%

ROE

16.29%

Risk-Based Capital

18.38%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$226M

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	17	82.35%	0.00%
2019	35	100%	0.00%
2018	33	96.97%	3.03%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2019

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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