American Bank & Trust Company, Inc.: how it compares with its peers
Against 32 KY banks with half to twice its assets, American Bank & Trust Company, Inc.'s strongest measure in Q2 2026 is assets per employee ($9.1M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (3.29% vs. 3.82%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.04% | 1.26% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.29% | 3.82% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.02% | 59.35% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $6.1M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.28% | 82.58% | Context |
What it means for lending operations
Its efficiency ratio of 56.02% is better than the 59.35% 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
- The Farmers National Bank of Danville Danville, KY · $990M
- Wilson & Muir Bank & Trust Company Bardstown, KY · $818M
- Cumberland Valley National Bank & Trust Company London, KY · $816M
- Franklin Bank & Trust Company Franklin, KY · $804M
- Farmers Bank and Trust Company Marion, KY · $794M
- The Paducah Bank and Trust Company Paducah, KY · $1.07B
Questions about American Bank & Trust Company, Inc.
How big is American Bank & Trust Company, Inc.?
American Bank & Trust Company, Inc., established in 2000, is headquartered in Bowling Green, KY. It reported $924M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is American Bank & Trust Company, Inc.'s return on assets?
1.04% annualized in Q2 2026, against a 1.26% median for 32 KY banks with half to twice its assets, ahead of 38% of them.
What is American Bank & Trust Company, Inc.'s efficiency ratio?
56.02% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 59.35%, and lower is better.
Is American Bank & Trust Company, Inc. growing its loans?
Net loans grew 2.5% over the year to Q2 2026, while deposits grew 3.6%.
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 KY 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 Kentucky bank ranked.