Total Assets
$901.9M
Total Deposits
$753.2M
Branches
8
Established
1934
First American Bank and Trust Company is a bank headquartered in Athens, Georgia, established in 1934. It holds $901.9M in total assets across 8 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First American Bank and Trust Company earns a TFS Financial Health Grade of A+ (97.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
97.5 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First American Bank and Trust CompanyHQ | 300 College Ave | Athens | GA | 11 |
| First American Bank and Trust Company | 2241 W Broad St | Athens | GA | 11 |
| First American Bank and Trust Company | 825 Hull Rd | Athens | GA | 11 |
| First American Bank and Trust Company | 300 College Ave | Athens | GA | 27 |
| First American Bank and Trust Company | 550 Highway 441 S | Clayton | GA | 11 |
| First American Bank and Trust Company | 235 W Crogan St | Lawrenceville | GA | 11 |
| First American Bank and Trust Company | 1681 Experiment Station Rd | Watkinsville | GA | 11 |
| First American Bank and Trust Company | 65 E May St | Winder | GA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
97.5
Tier 1 capital ratio
13.34%
Return on assets
1.98%
Non-performing loans
0.00%
Efficiency ratio
49.61%
Asset growth (YoY)
-1.15%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.