AB&T: how it compares with its peers
Against 72 GA banks with half to twice its assets, AB&T's strongest measure in Q2 2026 is efficiency ratio (48.12% vs. a 59.17% peer median). Its weakest relative measure is net interest margin (4.64% vs. 4.51%).
| Measure | AB&T | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.92% | 1.57% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.64% | 4.51% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.12% | 59.17% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $6.7M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.87% | 77.25% | Context |
What it means for lending operations
Its efficiency ratio of 48.12% is better than the 59.17% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Community Bank of Georgia Baxley, GA · $269M
- South Georgia Bank Glennville, GA · $270M
- The Peoples Bank Eatonton, GA · $270M
- South Coast Bank & Trust Brunswick, GA · $270M
- The Peoples Bank of Georgia Talbotton, GA · $252M
- Bank of Alapaha Alapaha, GA · $251M
Questions about AB&T
How big is AB&T?
AB&T, established in 1999, is headquartered in Albany, GA. It reported $261M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is AB&T's return on assets?
1.92% annualized in Q2 2026, against a 1.57% median for 72 GA banks with half to twice its assets, ahead of 74% of them.
What is AB&T's efficiency ratio?
48.12% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 59.17%, and lower is better.
Is AB&T growing its loans?
Net loans grew 6.0% over the year to Q2 2026, while deposits grew 0.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.