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Overview / Commentary
1302 Scottsville Road
Bowling Green, KY 42103

American Bank & Trust Company, Inc. is headquartered in Bowling Green and is the 57th largest bank in the state of Kentucky. It is also the 2,519st largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 67 employees at 4 locations. American Bank & Trust Company, Inc.'s money market rates are 14% higher than the national average, and it has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 American Bank & Trust Company, Inc. had $1.92 million in non-current loans and owned real-estate with $26.41 million in equity and loan loss allowances on hand to cover it. This gives American Bank & Trust Company, Inc. a Texas Ratio of 7.26% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for American Bank & Trust Company, Inc. experienced no significant changes from 2.54% as of March 31, 2013 to 7.26% as of March 31, 2014, resulting in a negative change of 186.10%. This indicates that the balance sheet and financial strength for American Bank & Trust Company, Inc. has had no significant changes in recent periods.

Deposit Growth


In the past year, American Bank & Trust Company, Inc. has increased its total deposits by $2.7 million, resulting in 1.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth American Bank & Trust Company, Inc. has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. American Bank & Trust Company, Inc. has $254.85 million in assets with $26.41 million in equity, resulting in a capitalization level of 10.36%, which is above average.

Institution Statistics

FDIC Certificate #35568
Year Established2000
Primary RegulatorFDIC
Assets and Liabilities
Assets$254.85 million
Loans$213.21 million
Deposits$230.61 million
Equity Capital$23.64 million
Loan Loss Allowance$2.77 million
Unbacked Noncurrent Loans$1.31 million
Real Estate Owned$604,000
Historic Data - March 2013
Assets$251.55 million
Equity Capital$23.09 million
Loan Loss Allowance$3.09 million
Unbacked Noncurrent Loans$1.31 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.22%
Return on Assets1.57%
Return on Equity17.09%
Interest Income$3.05 million

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American Bank & Trust Company, Inc. Savings Account Rates

0.25%--Vacation Club Savings
0.10%$100-Statement Savings Account

American Bank & Trust Company, Inc. Money Market Rates

0.50%$300k-Money Market Account

American Bank & Trust Company, Inc. Checking Account Rates

1.80%-$50kAmerican Incentive Checking - Qualifying
0.50%$75k-Presidential Checking
0.50%$100-Corporate Checking
0.25%--Small Business Checking
0.25%--American Incentive Checking - Non Qualifying
0.20%$100-Classic American Checking

American Bank & Trust Company, Inc. CD Rates

1.50%$1k-60 Month CD
1.20%$1k-48 Month CD
1.10%$1k-36 Month CD
0.95%$1k-24 Month CD
0.95%$1k-30 Month CD
0.70%$1k-12 Month CD
0.70%$1k-18 Month CD
0.25%$1k-180 Day CD
0.20%$1k-90 Day CD

American Bank & Trust Company, Inc. IRA Rates

1.50%$1k-60 Month IRA
1.20%$1k-48 Month IRA
1.10%$1k-36 Month IRA
0.95%$1k-24 Month IRA
0.95%$1k-30 Month IRA
0.70%$1k-12 Month IRA
0.70%$1k-18 Month IRA

American Bank & Trust Company, Inc. Locations
Fairview Ave Branch1115 Fairview AvenueBowling Green, KY 42102
American Bank & Trust Company, Inc.1302 Scottsville RoadBowling Green, KY 42103
Nashville Road Branch3011 Nashville RoadBowling Green, KY 42102
Louisville Road Branch3411 Louisville RoadBowling Green, KY 42102