American Bank & Trust Company, Inc.
Total assets
$924.4M
▲ +3.8% YoY
Deposits
$800.0M
▲ +3.6% YoY
Loans
$738.2M
▲ +2.5% YoY
Offices
6
FIRST BRECKINRIDGE BANCSHARES
ROA (annualized)
1.04%
peers 1.28%
ROE (annualized)
11.35%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.9% | -1.1 pts |
| Deposit growth (YoY) | +3.6% | +4.3% | -0.8 pts |
| Loan growth (YoY) | +2.5% | +5.3% | -2.8 pts |
| ROA | 1.04% | 1.28% | -0.2 pts |
| ROE | 11.3% | 12.4% | -1.1 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
Profile
- Established
- 2000
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIRST BRECKINRIDGE BANCSHARES
- Specialization
- Commercial Lending Specialization
- Address
- 531 Lovers Ln, Bowling Green, KY, 42103
- County
- Warren
- Metro area
- Bowling Green, KY
- Offices
- 6
- FDIC cert #
- 35568
- RSSD ID
- 2919898
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $924.4M | $800.0M | $738.2M | $84.2M | $4.7M | 1.04% | 3.29% | 1.00% |
| Q1 2026 | $892.2M | $765.9M | $725.9M | $82.0M | $2.2M | 1.01% | 3.26% | 1.02% |
| Q4 2025 | $875.6M | $757.5M | $701.0M | $80.4M | $9.2M | 1.05% | 3.22% | 0.22% |
| Q3 2025 | $890.0M | $772.6M | $694.3M | $77.4M | $6.5M | 0.98% | 3.16% | 0.27% |
| Q2 2025 | $890.2M | $772.5M | $720.0M | $74.1M | $4.0M | 0.92% | 3.08% | 0.20% |
| Q1 2025 | $891.9M | $777.2M | $716.4M | $71.6M | $1.9M | 0.86% | 3.00% | 0.19% |
| Q4 2024 | $856.4M | $744.8M | $699.6M | $68.6M | $6.2M | 0.77% | 2.95% | 0.24% |
| Q3 2024 | $835.2M | $718.8M | $671.5M | $69.5M | $4.5M | 0.76% | 2.91% | 0.28% |
Loan mix (Q2 2026): real estate $648.8M · commercial $88.8M · consumer $5.9M · securities $103.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.28% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 12.4% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.89% | 19th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 61.2% | 35th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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