Bank · FDIC insured
American Bank & Trust
Top CarrotA $924.4M bank headquartered in Bowling Green, KY, with 6 branches in Kentucky. Best rates: CDs 4.45% and savings 1.90% APY.
American Bank & Trust Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#2 of 12 in Bowling Green, KY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About American Bank & Trust
American Bank & Trust has been serving the Bowling Green, Kentucky area and South Central Kentucky for over 20 years.
The bank was formed to be a community bank driven by the desire to serve customers and provide them with a pleasant experience.
- Headquarters
- 531 Lovers Ln, Bowling Green, KY 42103
- FDIC certificate
- 35568 ↗
Branches
6 branches in Kentucky
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Kentucky
6 branches
- American Bank & Trust Company, Inc.Main office531 Lovers Ln, Bowling Green, KY 42103Directions
- Fairview Ave Branch1115 Fairview Ave, Bowling Green, KY 42103Directions
- Louisville Road Branch3411 Louisville Rd, Bowling Green, KY 42101Directions
- Nashville Road Branch2927 Nashville Rd, Bowling Green, KY 42101Directions
- Plano Road Branch5575 Scottsville Rd Ste 101, Bowling Green, KY 42104Directions
- Scottsville Branch1302 Scottsville Rd, Bowling Green, KY 42104Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.88% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.22% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.04% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $93 | $81 | — |
- CapitalLeverage ratio9.88%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.22%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.04%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$93Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of American Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.