American Bank & Trust Company, Inc.

Headquarters: Bowling Green, Kentucky
Charter: Bank
Assets: $924.4M
Fed district: St. Louis

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 15, 2026

How these figures are measured

Call-report figures are for American Bank & Trust Company, Inc. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	American Bank & Trust Company, Inc.'s published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: American Bank & Trust Company, Inc. (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $94K in Q2 2026, 3.3% above the same quarter a year earlier ($91K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
American Bank & Trust Company, Inc.: $30
American Bank & Trust Company, Inc.: $30
U.S. median: no median
NSF / Returned Item
American Bank & Trust Company, Inc.: $30
American Bank & Trust Company, Inc.: $30
U.S. median: no median
Non-Network ATM
American Bank & Trust Company, Inc.: $2
American Bank & Trust Company, Inc.: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Kentucky: Banks and credit unions headquartered in Kentucky that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income was about level from Q3 2025 to Q2 2026, at $94K.

Service-charge income, Q2 2026

$94K

$94KQ3 2025

$102KQ4 2025

$87KQ1 2026

$94KQ2 2026

Against the median

American Bank & Trust Company, Inc.Median

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

American Bank & Trust Company, Inc. · $924M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Banks only
$898M to $949M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
American Bank & Trust Company, Inc.(this institution)	Bowling Green, KY	$924M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of Botetourt	Buchanan, VA	$939M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
DR Bank	Darien, CT	$913M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
FinWise Bank	Murray, UT	$915M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commerce Bank	Lewisburg, TN	$935M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Community Bank of Tennessee	Shelbyville, TN	$944M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Northern Bank and Trust Company	Palmerton, PA	$921M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Franklin Savings Bank	Franklin, NH	$931M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Greenfield Banking Company	Greenfield, IN	$930M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Greenfield Co-operative Bank	Greenfield, MA	$902M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Legends Bank	Clarksville, TN	$928M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lindell Bank & Trust Company	St. Louis, MO	$915M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mechanics Cooperative Bank	Taunton, MA	$899M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mid-Missouri Bank	Springfield, MO	$947M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Oxford Bank	Oxford, MI	$931M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Passumpsic Savings Bank	Saint Johnsbury, VT	$934M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
SpiritBank	Tulsa, OK	$913M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
StonehamBank, A Co-operative Bank	Stoneham, MA	$918M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Terrabank, National Association	Miami, FL	$898M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Heritage National Bank	Daingerfield, TX	$936M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Farmers & Merchants Bank	Berlin, WI	$949M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Farmers Bank	Portland, TN	$943M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The First National Bank of Granbury	Granbury, TX	$946M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Juniata Valley Bank	Mifflintown, PA	$918M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Thrivent Bank	Salt Lake City, UT	$906M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Winchester Co-operative Bank	Winchester, MA	$947M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

American Bank & Trust Company, Inc. does not publish a monthly maintenance fee in the index.

The peer median is $8.50 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026.

Monthly maintenance fee in dollars, one mark per institution

American Bank & Trust Company, Inc. does not publish a monthly maintenance fee, so it is not on this chart.

American Bank & Trust Com…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 22, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for American Bank & Trust Company, Inc. (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $94K
vs prior quarter: +$7K+8.0%; from Q1 2026
vs a year earlier: +$3K+3.3%; from Q2 2025
vs start of range: −$7K−6.9%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: American Bank & Trust Company, Inc. (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$94K	+$7K	+8.0%
Q1 2026	$87K	−$15K	−14.7%
Q4 2025	$102K	+$8K	+8.5%
Q3 2025	$94K	+$3K	+3.3%
Q2 2025	$91K	−$6K	−6.2%
Q1 2025	$97K	−$6K	−5.8%
Q4 2024	$103K	+$2K	+2.0%
Q3 2024	$101K	+$6K	+6.3%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from American Bank & Trust Company, Inc.’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure Fee$15
Dormant free$5
Account Balancing per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research place on DVD$25

Overdraft & NSF

NSF Fee-Paid$30
NSF Fee-Returned Item Fee$30
Daily Overdraft Fee$5
per day

ATM & Card

Foreign ATM Fee$2
Replacement Visa Check Card (lost card)$5

Wire Transfers

Wire Transfer: Outgoing (Domestic)$15
Wire Transfer: Incoming (Domestic)$10
Wire Transfer: Outgoing (International)$70
Wire Transfer: Incoming (International)$30

Check Services

Cashier’s Checks$3
Account Alerts (lost Checkbooks, etc.)$30
Stop Payment$30
Temporary Checks$1
per item
International Check Collection: Outgoing$30
Replacement Statement (With copies of checks)$5

Cash & Deposit

Return Deposit Item Fee (Charge Back Fee)$5
Night Deposit Box Lost Key Fee$3.50

Account Services

Notary Service (Non Customers Only)$10
Safe Deposit Box Replacement Key$75
Not compared: Box drilling or key fee
Safe Deposit Drilling Fee$150
Not compared: Box drilling or key fee

Gift & Prepaid Cards

Visa Gift Cards$3.50

Other Fees

Fax Services$2

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee	$15	Not stated	None
Dormant free	$5	Not stated	None
Account Balancing per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research place on DVD	$25	Not stated	None
Overdraft & NSF
NSF Fee-Paid	$30	Not stated	None
NSF Fee-Returned Item Fee	$30	Not stated	None
Daily Overdraft Fee	$5	per day	None
ATM & Card
Foreign ATM Fee	$2	Not stated	None
Replacement Visa Check Card (lost card)	$5	Not stated	None
Wire Transfers
Wire Transfer: Outgoing (Domestic)	$15	Not stated	None
Wire Transfer: Incoming (Domestic)	$10	Not stated	None
Wire Transfer: Outgoing (International)	$70	Not stated	None
Wire Transfer: Incoming (International)	$30	Not stated	None
Check Services
Cashier’s Checks	$3	Not stated	None
Account Alerts (lost Checkbooks, etc.)	$30	Not stated	None
Stop Payment	$30	Not stated	None
Temporary Checks	$1	per item	None
International Check Collection: Outgoing	$30	Not stated	None
Replacement Statement (With copies of checks)	$5	Not stated	None
Cash & Deposit
Return Deposit Item Fee (Charge Back Fee)	$5	Not stated	None
Night Deposit Box Lost Key Fee	$3.50	Not stated	None
Account Services
Notary Service (Non Customers Only)	$10	Not stated	None
Safe Deposit Box Replacement Key	$75Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Drilling Fee	$150Not compared: Box drilling or key fee	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$3.50	Not stated	None
Other Fees
Fax Services	$2	Not stated	None

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where American Bank & Trust Company, Inc. operates, and what regulators and customers have on file.

Market position

In Bowling Green, KY, American Bank & Trust Company, Inc. holds 16.5% of bank deposits, #1 of 22, with 6 offices.

Compare fees with the 18 Bowling Green, KY banks and credit unions in its home-metro peer set →

Offices in the metro

72 offices of 25 institutions shown.

American Bank & Trust Company, Inc.Other banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Bowling Green, KY metro (FDIC metro code 14540), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 4 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1American Bank & Trust Company, Inc.16.5%
2U.S. Bank National Association12.0%
3Truist Bank8.8%
4Morgantown Bank & Trust Company, Incorporated7.5%
5South Central Bank, Inc.7.1%
6Independence Bank of Kentucky6.4%
7FirstBank5.7%
8German American Bank5.5%

8 of 22 institutions shown. $4.8B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Bowling Green, KY metro (FDIC metro code 14540)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 16.5% share, 6 offices, #1 of 22

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Bowling Green, KY metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

9 offices of 5 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

Get an email when American Bank & Trust Company, Inc.'s early account closure changes in our data

We check once a day and send one email covering every change.