🏦Bank Scorer

AMERICAN BANK & TRUST COMPANY, INC.

BOWLING GREEN, KY · Supervised by FDIC

Est. 2000FDIC #35,568RSSD: FDIC-35568
Part ofFIRST BRECKINRIDGE BANCSHARES→ View all charters
Satisfactory Same

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.01%

Institution Profile

FDIC BankFind

Address

531 Lovers Ln, BOWLING GREEN, KY

County

Warren County

Established

July 5, 2000

Total Assets

$892M(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

December 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$892M

Total Deposits

$766M

Net Loans

$726M

Net Income

$2M

ROA

1.01%

ROE

10.98%

Risk-Based Capital

12.29%

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 Rate4.90%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$773M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202430680.72%4.90%
202319294.79%2.08%
202225695.7%1.17%
202123796.62%1.69%
202019290.1%4.17%
201920692.23%4.85%
201825689.06%5.86%

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 3 exams

6 previous ratings locked — dating back to 2002

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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