# AB&T
ALBANY, GA · FDIC certificate 35029 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $261.2M | |
| Deposits | $227.9M | |
| Loans and leases | $186.8M | |
| Total equity | $31.4M | |
| Loans / deposits | 80.87% (p64 of band) | 73.59% |
| Liquid assets / assets | 27.46% (p37 of band) | |
| Uninsured deposits / deposits | 38.31% (p91 of band) | 19.81% |
| Brokered deposits | 2.30% | |
| Wholesale funding | 2.45% (p61 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.85% (p51 of band) | 11.76% |
| Unrealized securities loss / equity | -1.55% (p72 of band) | -6.57% |
| AOCI / equity | -1.18% (p23 of band) | |
| ROA (annualized) | 1.92% (p83 of band) | 1.17% |
| Net interest margin | 4.64% (p80 of band) | 3.93% |
| Efficiency ratio | 48.12% (p11 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 76% | |
| Construction % of loans | 22.62% (p57 of band) | |
| Auto loans | $35,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 28 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 5 | noncurrent p90, deposits shrinking, assets shrinking | expense ratio p90, capital falling |
| 2012-09 | 6 | expense ratio p90 |  |
| 2012-12 | 6 |  |  |
| 2013-03 | 3 |  | losing money, noncurrent p90, expense ratio p90 |
| 2013-06 | 1 |  | deposits shrinking, assets shrinking |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | deposits shrinking |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | deposits shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 2 | loans exceed deposits |  |
| 2016-06 | 2 | liquid assets <10% | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2017-06 | 1 | loans exceed deposits | capital falling |
| 2017-09 | 0 |  | loans exceed deposits |
| 2017-12 | 2 | capital falling, losing money |  |
| 2018-03 | 1 |  | losing money |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | loans exceed deposits |  |
| 2018-12 | 0 |  | loans exceed deposits |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 | loans exceed deposits | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | loans exceed deposits |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2021-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2022-03 | 2 | noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | charge-offs p90 |  |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | charge-offs p90 |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | charge-offs p90 |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-05 [AB&T starts 2022 with leadership transition - Albany Herald](https://news.google.com/rss/articles/CBMikwFBVV95cUxNOGs5SzlLSW1NYzB2V2pPS21pbXg2cGw2WWJ4cDh0SnZpcFdDdURQeUt4am1EZ1hkc2VjeU9tN2d2UldkMm5WMUdYT3RqdU1UUVVjcE9iZVdKOWFmZ0JvSTc2akxXR1FUUEt4LUc3dDNHZzVPZTdSME14aXUxc1Q0Zi1vaEU0eTN3SVdFUmQxYUY1M1U?oc=5) · Albany Herald
- 2010-05-21 [OCC Enforcement Actions - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTE40WVF2TEg1XzNQZEJ5bkZRTUlGNWhvWkFkVkN6dU1EelBKNV9rWnhjNVBidk9iaTZJVEw0LUgyS2pzU0tZMjBTTVRYbHhiZnZhR2FHTmFYYU00VmtCSUxmWkdPSEpQZGhPRWREdGJWQkZ5ZURnWEdMNEZwMlhaUQ?oc=5) · occ.gov
- 2019-06-03 [Glenn E. Creech, Sr. Obituary Jun 3, 2019 - Mathews Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE1MY1NIY0hsaGdCbEZSM1VhVUxPTmxuMmlwQ0RyaFdMal80U1MydkVvazZ3MkNaM3V1cHVrUlJMVVlReVNmWFc1R1hzOHI3RHdjMVhHOHZtS095WllfREZMcmVKSVRoMHdrMWFBaG5R?oc=5) · Mathews Funeral Home
- 2018-01-26 [Mr. Robert Lee "Bob" Perry - View Obituary & Service Information - Kimbrell-Stern Funeral Directors](https://news.google.com/rss/articles/CBMia0FVX3lxTE1nWHg4Q0I1UmJrQWlVUzdwUGR6TGhaNkFmNWJwcklIcXpQaGVueXpOcUFiVWI5NkcxQTdpam9maElMRTBpTjFTeUxuM2FtVkRlcWJMZkd1YzZ5eDJucnlhMkd6aVhGbmFpZHQ0?oc=5) · Kimbrell-Stern Funeral Directors
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica
- 2024-12-20 [Lee chamber adds new members - Albany Herald](https://news.google.com/rss/articles/CBMia0FVX3lxTE5FTXVDRVh1S2Q4OEFDY3lMYTdlX1Rhai1pRXV2M1p5SjRZR1diZDlzTGxfckw2LVBUbjNmQ01xaWo0Z1ZocXNEX1BCVGdrUUVvNFFFWkxLaVJfTHRMS2d0RnVOZFJGVVc5WTBF?oc=5) · Albany Herald
- 2023-07-26 [Openness to opportunities fuels Albany business’ success - Albany Herald](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWFF6Zkd3M1R6MmFYa2lOMjcydEdhZlBrLWtXcExpelN5eUhOWXFhNENZUkI2VzRBTGNjall4eEdjX2lKLVVZNHJ6dG4yOFhIS29Ub3JKRlBEdFUweDg2ZlQ1dVVnclpmRWRWS3htckU0RXhFalBnM1haVkdPTUZtejhVb3ZWaEZiMjJoNW1Raw?oc=5) · Albany Herald
- 2025-01-03 [Luke Flatt honored, Albany spirit celebrated at chamber’s annual meeting - Albany Herald](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPc1NSbG5iWmN3YUVPNGY3R1kwSnlTajd1ZVl5MFRON08wX2Z5V2lKWVZjX1BfdWFOZDZXU1RXR2FuRlZDSlZzYUhtUXFKak0zMFBYOEM3bExkT2JJQ0licEw3Rkt3VVd5dzg4UGlKRHppVmVFMTBEVlNvc1MwQVVXU0J4RDdwS2JRd1IxdlY5RGdHSDg3VzlPMDVKOTRJR1gtOTBCak9oSHp6SVU?oc=5) · Albany Herald

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35029 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/21.json (key "35029", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide