Compared with Kentucky
8 of 22
compared fees are above the median.
8 below, 6 about the same.
About the same: within 1% of the median.
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
24th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Kentucky median
of 22 compared; 8 below, 6 about the same
See the feesFee schedule read Oct 15, 2026
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) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Kentucky median | Published fees above the Kentucky 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
Service charges were 1.2% of revenue, below the 2.1% median of 1,412 banks with $300M to $1B in assets (24th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
8 of 22 compared published fees sit above the Kentucky median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kentucky medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income was about level from Q3 2025 to Q2 2026, at $94K. Its share of revenue, 1.2%, is below the 2.1% median for banks with $300M to $1B in assets.
$94K
American Bank & Trust Company, Inc.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for American Bank & Trust Company, Inc. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, American Bank & Trust Company, Inc. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to American Bank & Trust Company, Inc. by share.
Amounts from American Bank & Trust Company, Inc.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure Fee | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant free | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $25Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF Fee-Paid | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Fee-Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Daily Overdraft Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| Foreign ATM Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Visa Check Card (lost card) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Outgoing (Domestic) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: Incoming (Domestic) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer: Outgoing (International) | $70Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer: Incoming (International) | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Account Alerts (lost Checkbooks, etc.) | $30Above the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| International Check Collection: Outgoing | $30Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Replacement Statement (With copies of checks) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item Fee (Charge Back Fee) | $5Below the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Night Deposit Box Lost Key Fee | $3.50Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary Service (Non Customers Only) | $10Above the U.S. middle 50% ($0 to $5 nationally) | 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 | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Fax Services | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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.
Where American Bank & Trust Company, Inc. operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $800.0M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 6 | $800.0M |
Bowling Green, KY
16.5% of bank deposits, #1 of 22, up 4.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 12% |
| Truist Bank | 8.8% |
| Morgantown Bank & Trust Company, Incorporated | 7.5% |
| South Central Bank, Inc. | 7.1% |
| Independence Bank of Kentucky | 6.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Bowling Green, KY, American Bank & Trust Company, Inc. holds 16.5% of bank deposits, #1 of 22, with 6 offices.
72 offices of 25 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 22 institutions shown. $4.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.