🏦Bank Scorer

FIRST AMERICAN BANK AND TRUST COMPANY

ATHENS, GA · Supervised by FDIC

Est. 1934FDIC #16,858RSSD: FDIC-16858
Part ofFIRST AMERICAN BCORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.90%

Institution Profile

FDIC BankFind

Address

300 College Ave, ATHENS, GA

County

Clarke County

Established

January 1, 1934

Total Assets

$890M(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

October 1, 2025

Exam Type

Intermediate Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$890M

Total Deposits

$751M

Net Loans

$698M

Net Income

$4M

ROA

1.90%

ROE

14.57%

Risk-Based Capital

18.03%

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 Rate1.78%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$729M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202422591.11%1.78%
202322788.11%3.08%
202233090.3%1.52%
202176789.44%1.69%
202085589.47%1.29%
201955391.5%1.99%
201837386.33%4.29%

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

10 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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