American Bank & Trust Company

Overview / Commentary

www.americanbankandtrust.net

337-948-3056

307 East Landry Street
Opelousas, LA 70570

American Bank & Trust Company is headquartered in OPELOUSAS and is the 69^th largest bank in the state of Louisiana. It is also the 2,798^th largest bank in the nation. It was established in 1958 and as of June of 2024, it had grown to 55 employees at 8 locations. American Bank & Trust Company's CD rates are 2X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	17906
Year Established	1958
Employees	55
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.25%
Return on Equity - YTD	14.93%
Annual Interest Income	$5.6MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$238.2MM$237.2MM
Loans	Q2 2024vs Q2 2023	$164.2MM$153.5MM
Deposits	Q2 2024vs Q2 2023	$203.4MM$214.3MM
Equity Capital	Q2 2024vs Q2 2023	$20.8MM$18.4MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$1.7MM$1.4MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$211K$75K
Real Estate Owned	Q2 2024vs Q2 2023	$73K$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

American Bank & Trust Company Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$1k^*	-	Savings
OTHER TIERS: 0.10% → $100 - $2k
0.15%	$5	-	Christmas Club
0.10%	$500	-	Ameri-Club Interest

American Bank & Trust Company Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%	$2.5k	-	Money Market

American Bank & Trust Company Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$500	-	NOW

American Bank & Trust Company CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.07%	$1k	-	36 Month CD (mth ck/trans)
2.07%	$1k	-	36 Month CD (qrt ck)
2.07%	$1k	-	36 Month CD (qrt add on)
2.02%	$1k	-	24 Month CD (mth ck/trans)
2.02%	$1k	-	24 Month CD (qtr ck)
2.02%	$1k	-	24 Month CD (qrt add on)
1.91%	$1k	-	12 Month CD (qrt add on)
1.90%	$1k	-	12 Month CD (mth ck/trans)
1.90%	$1k	-	12 Month CD (qrt ck)
1.56%	$1k	-	6 Month CD
1.56%	$1k	-	6 Month CD (mth ck)
0.65%	$1k	-	90 Day CD
0.25%	$1k	-	30 Day CD

American Bank & Trust Company IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.07%	$250	-	36 Month IRA (qrt add on)
2.02%	$250	-	24 Month IRA (qrt add on)
1.91%	$250	-	12 Month IRA (qrt add on)
1.56%	$250	-	6 Month IRA

Locations

American Bank & Trust Company Locations
American Bank & Trust Company Lafayette Branch	1306 Camellia Boulevard	Lafayette, LA 70508
Moss Street Branch	2931 Moss Street	Lafayette, LA 70501
American Bank & Trust Company	307 E Landry St	Opelousas, LA 70570
South Branch	807 Creswell Lane	Opelousas, LA 70570
Krotz Springs Branch	Eighth and Florida Streets	Krotz Springs, LA 70750
Lawtell Branch	106 Foster Drive	Lawtell, LA 70550
Port Barre Branch	Saizon Street	Port Barre, LA 70577

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