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 2,475th largest bank in the nation. It was established in 1978 and as of December of 2019, it had grown to 48 employees at 3 locations. American Bank & Trust of the Cumberlands has an A+ health rating.


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Health Grade Components

FDIC Certificate #31980
Year Established1978
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD15.17%
Annual Interest Income$11.9MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$254.0MM$227.1MM
LoansQ4 2019vs Q4 2018$198.8MM$195.7MM
DepositsQ4 2019vs Q4 2018$227.8MM$203.5MM
Equity CapitalQ4 2019vs Q4 2018$23.9MM$22.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$2.3MM$2.0MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$318.00K$599.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$375.00K
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American Bank & Trust of the Cumberlands Checking Account Rates

0.50%*-$15kAmerican High Yield Checking
OTHER TIERS: 0.05% $15k+
0.15%--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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