American Bank & Trust of the Cumberlands

Overview / Commentary
808 West Main Street
Livingston, TN 38570

American Bank & Trust of the Cumberlands is headquartered in Livingston and is the 73rd largest bank in the state of Tennessee. It is also the 2,476th largest bank in the nation. It was established in 1978 and as of September of 2019, it had grown to 48 employees at 3 locations. American Bank & Trust of the Cumberlands' money market rates are 2X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #31980
Year Established1978
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.33%
Return on Equity - YTD14.77%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$254.5MM$229.4MM
LoansQ3 2019vs Q3 2018$197.7MM$188.2MM
DepositsQ3 2019vs Q3 2018$228.9MM$206.5MM
Equity CapitalQ3 2019vs Q3 2018$22.9MM$21.1MM
Loan Loss AllowanceQ3 2019vs Q3 2018$2.4MM$1.9MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$371.00K$1.5MM
Real Estate OwnedQ3 2019vs Q3 2018$28.00K$447.00K
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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 of the Cumberlands Money Market Rates

1.00%*$100k*-American Money Market Deposit Account
OTHER TIERS: 0.55% $2.5k - $100k

American Bank & Trust of the Cumberlands Checking Account Rates

1.50%-$15kAmerican High Yield Checking
0.49%--American Business Checking - Qualifying

American Bank & Trust of the Cumberlands Locations
Neal Street Branch1450 Neal StreetCookeville, TN 38501
American Bank & Trust Of The Cumberlands808 West Main StreetLivingston, TN 38570
Willow Avenue Branch123 N Willow AveCookeville, TN 38501

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