First American Bank And Trust Company is a bank based in Athens, Georgia, established in 1934, with $890 million in total assets across 8 branches. By Trust Grade it ranks 17th of 124 banks we track in Georgia. Its capital ratio of 12.9% is stronger than 80% of similarly sized banks, versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 1.90% return on assets. No consumer complaints against First American Bank And Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First American Bank And Trust Company compares to Georgia peers
How we graded First American Bank And Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.9% capital ratio)
- Strongly profitable (ROA 1.90%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First American Bank And Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (8)
- 300 College Ave, Athens, GA 30601
- 2241 W Broad St, Athens, GA 30606
- 825 Hull Rd, Athens, GA 30601
- 1681 Experiment Station Rd, Watkinsville, GA 30677
- 550 Highway 441 S, Clayton, GA 30525
- 300 College Ave, Athens, GA 30601
- 65 E May St, Winder, GA 30680
- 235 W Crogan St, Lawrenceville, GA 30046
Are deposits at First American Bank And Trust Company insured?
Yes. First American Bank And Trust Company is an FDIC-insured bank (FDIC certificate #16858). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First American Bank And Trust Company: frequently asked questions
Is First American Bank And Trust Company a good bank?
First American Bank And Trust Company earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.9% capital ratio); Strongly profitable (ROA 1.90%).
Is First American Bank And Trust Company FDIC-insured?
Yes. First American Bank And Trust Company is a FDIC-insured bank (FDIC certificate #16858). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First American Bank And Trust Company?
First American Bank And Trust Company holds $890 million in total assets, ranking 17th of 124 banks we track in Georgia. It operates 8 branches.
Does First American Bank And Trust Company have CFPB complaints?
No CFPB complaints against First American Bank And Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
