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 72nd largest bank in the state of Tennessee. It is also the 2,426th largest bank in the nation. It was established in 1978 and as of June of 2020, it had grown to 49 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 - YTD2.19%
Return on Equity - YTD24.48%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$286.4MM$246.7MM
LoansQ2 2020vs Q2 2019$198.1MM$197.5MM
DepositsQ2 2020vs Q2 2019$259.1MM$222.5MM
Equity CapitalQ2 2020vs Q2 2019$25.1MM$21.9MM
Loan Loss AllowanceQ2 2020vs Q2 2019$2.2MM$2.4MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$68.00K$262.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$28.00K
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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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