Unverified listing What this means
The Lender Report built this page from public records. First American Bank and Trust Company has not reviewed it. Every lender's page starts this way, and it says nothing about First American Bank and Trust Company itself. Each figure shows its source and date. Work at First American Bank and Trust Company? You can claim this page for free.
Bank, Athens, GA
First American Bank and Trust Company
A bank based in Athens, GA. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily and 1-4 unit investor loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $517M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 8
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $902M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- The FDIC record has no phone number. Try the lender's website.
- Website
- www.fabt.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- fabt.bankFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- First American Bank; First American Bank & Trust CoFDIC institution record,
- Address
- 300 College Ave, Athens, GA 30601FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
What changed. First American Bank and Trust Company's Multifamily balance rose 13.3% to $49.9M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 11.7% to $204M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 20.6% to $125.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 25.1% to $119.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Clarke County, GA | Refinance, 25 to 49 units | $2.2M | HMDA 2025 | |||
| 2025 | Clarke County, GA | Refinance, 5 to 24 units | $1.9M | HMDA 2025 | |||
| 2025 | Georgia | Refinance, 5 to 24 units | $800K | HMDA 2025 | |||
| 2025 | Georgia | Refinance, 5 to 24 units | $800K | HMDA 2025 | |||
| 2025 | DeKalb County, GA | Refinance, 5 to 24 units | $600K | HMDA 2025 | |||
| 2025 | Clarke County, GA | Refinance, 5 to 24 units | $280K | HMDA 2025 | |||
| 2025 | Baldwin County, GA | Refinance, 5 to 24 units | $160K | HMDA 2025 | |||
| 2025 | Barrow County, GA | Refinance, 5 to 24 units | $45K | HMDA 2025 | |||
| 2024 | Clarke County, GA | Refinance, 5 to 24 units | $1.3M | 6.8% | 10 yr | 62% | HMDA 2024 |
| 2024 | Clarke County, GA | Purchase, 5 to 24 units | $1.3M | 6.95% | 2.9 yr | 65% | HMDA 2024 |
| 2024 | Clarke County, GA | Purchase, 5 to 24 units | $1.2M | 6.55% | 5 yr | 62% | HMDA 2024 |
| 2024 | Barrow County, GA | Purchase, 5 to 24 units | $400K | 6.63% | 7 yr | 68% | HMDA 2024 |
| 2024 | Jackson County, GA | Refinance, 5 to 24 units | $340K | 6.95% | 3 yr | 27% | HMDA 2024 |
| 2024 | Baldwin County, GA | Improvement, 5 to 24 units | $160K | 7% | 2.9 yr | 38% | HMDA 2024 |
| 8 multifamily loans made in 2025 | $6.76M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $49.9M | 7.0% | +0.8% |
| Construction and land development | $120M | 16.9% | +25.1% |
| Owner-occupied CRE | $125M | 17.7% | +20.6% |
| Non-owner-occupied CRE | $204M | 28.8% | +11.7% |
| Farmland | $1.86M | 0.3% | +9.2% |
| Commercial and industrial | $16.5M | 2.3% | -1.7% |
| Commercial total | $517M |
Reference only: $178M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $388M |
| Q4 2023 | $412M |
| Q1 2024 | $413M |
| Q2 2024 | $422M |
| Q3 2024 | $430M |
| Q4 2024 | $434M |
| Q1 2025 | $438M |
| Q2 2025 | $450M |
| Q3 2025 | $462M |
| Q4 2025 | $472M |
| Q1 2026 | $514M |
| Q2 2026 | $517M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 8 | $6.76M | $705K | $2.2M | HMDA, |
| Multifamily, 5 or more units | 2024 | 6 | $4.62M | $785K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 86 | $24.6M | $210K | HMDA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI).
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Bank or Thrift. Certification: Certified by the CDFI Fund since 2025-07-13.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- First American Bank and Trust Company reported commitments to fund construction loans that had not been drawn at June 30, 2026: $29,627,000 for 1-4 family residential construction and $33,010,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $16,281,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 97 | $2.10M |
| Over $100,000 up to $250,000 | 48 | $4.08M |
| Over $250,000 up to $1 million | 36 | $4.18M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 12 | $536K |
| Over $100,000 up to $250,000 | 32 | $3.60M |
| Over $250,000 up to $1 million | 88 | $32.1M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $100,000 up to $250,000 | 3 | $472K |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 1 | $3.00K |
| Over $100,000 up to $250,000 | 3 | $384K |
| Over $250,000 up to $500,000 | 1 | $317K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Georgia HQ | 8 | 8 | 83 | 0 | 0 |
| Montana | 0 | 0 | 1 | 0 | 0 |
| North Carolina | 0 | 0 | 1 | 0 | 0 |
| South Carolina | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Clarke County, GA | 6 | $8.06M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Athens-Clarke County, GA | 6 | $8.06M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- First American Bank and Trust Company has 7 offices in 5 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 7 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Clarke County, GA | 3 | 0 |
| Barrow County, GA | 1 | 0 |
| Gwinnett County, GA | 1 | 0 |
| Oconee County, GA | 1 | 0 |
| Rabun County, GA | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $19.0M | $11.3M to $16.8M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 294.9% | 199.9% to 292.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 94.6% | 42.8% to 147.7% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 94.2% | 61.4% to 102.1% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $62.6M | $22.6M to $84.3M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 78.7% | 54.5% to 84.5% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Peach State Bank & Trust | GA | $786M | $324M |
| The Citizens Bank of Georgia | GA | $599M | $240M |
| First National Community Bank | GA | $755M | $416M |
| Affinity Bank, National Association | GA | $915M | $561M |
| Guardian Bank | GA | $598M | $275M |
| Barwick Banking Company | GA | $830M | $502M |
| Oconee State Bank | GA | $744M | $412M |
| Farmers and Merchants Bank | GA | $862M | $440M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. First American Bank and Trust Company, FDIC certificate 16858. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $902M in total assets and $517M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 100 recorded loans from the HMDA file, in 2024 and 2025: 8 HMDA multifamily 2025, 6 HMDA multifamily 2024, 86 HMDA 1-4 unit investor 2025. Each has its source and date. [How each file was tied to First American Bank and Trust Company]
- Phone and website. No phone number is on record. Website fabt.bank, from the FDIC record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 16858
- RSSD
- 921039
- LEI
- 549300WHACUOETOKO184
- The Lender Report ID
- lr_001683
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Athens-Clarke County, GA
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $901.9M in total assets as of June 30, 2026 (FDIC call report).
- Held $517.4M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $204M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 11.7% from a year earlier (FDIC call report).
- Held $125.3M of owner-occupied commercial real estate loans as of June 30, 2026, up 20.6% from a year earlier (FDIC call report).
- Held $119.9M of construction and land loans as of June 30, 2026, up 25.1% from a year earlier (FDIC call report).
- Originated 8 multifamily loans totaling $6.8M in 2025 (HMDA).
7 more sentences
- Originated 6 multifamily loans totaling $4.6M in 2024 (HMDA).
- Originated 86 1-4 unit investor or business-purpose loans totaling $24.6M in 2025 (HMDA).
- Listed 8 offices in 1 state (FDIC).
- Held 181 commercial and industrial loans that were $1 million or less when made, with a balance of $10.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 132 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $36.2M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $29.6M for 1-4 family and $33M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, First American Bank and Trust Company, https://lender.report/lender/first-american-bank-and-trust-ga/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
- CDFI Fund certified list, October 21, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem