No stored Google rating available.
First American Bank & Trust is a full-service community bank offering personal and business checking, savings, lending, mortgages, and wealth management services through digital and in-person channels.
Data compiled from public sources
First American Bank & Trust positions itself as a local, community-focused financial institution committed to personalized service and stable banking relationships. The bank has established itself as a traditional full-service bank with a strong emphasis on customer-centric values and local presence. The bank offers a comprehensive range of financial products across personal and business segments.
For personal banking, they provide checking accounts, savings products, debit cards, and mobile banking through their FABTGo app. On the lending side, they offer personal loans, mortgages, and home financing solutions. Their business division includes business checking, business loans, treasury management services, and remote deposit capture.
Additionally, they provide wealth management services including trust services and investment management. First American Bank & Trust distinguishes itself through its emphasis on personalized service, local decision-making, and accessibility. The bank markets itself as an institution where customers receive tailored products rather than one-size-fits-all solutions.
They highlight digital convenience through their mobile app (FABTGo) which includes Zelle money transfer capabilities, mobile check deposit, debit card controls, and transfers. Their website emphasizes core convictions and relationship-based banking rather than transactional banking. As a regional community bank, First American Bank & Trust serves customers seeking traditional banking relationships with local accountability.
However, the website provides limited specific information about fee structures, interest rates, account minimums, or competitive advantages beyond service philosophy. Prospective customers should directly contact the bank or visit their locations to understand specific product terms and compare rates with other institutions.
This is state-level context for Banks consumers in Athens, GA. It does not confirm that First American Bank and Trust Company or this specific location is licensed.
State regulator
Georgia Department of Banking and Finance
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First American Bank and Trust Company processed 207 mortgage applications in 2023, with 96.6% recorded as approved across 4 states.
207
Applications
96.6%
Approval Rate
$467K
Avg Loan
4
States Served
Based on 207 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
First American Bank and Trust Company offers 12 services including Personal checking accounts, Personal savings accounts, Debit cards with mobile controls, Mobile banking app (FABTGo) with Zelle integration, Business checking accounts, and 7 more.
First American Bank and Trust Company has profile signals associated with Small business owners seeking personalized lending and treasury management services, Homebuyers looking for mortgage services with local bank relationship and support, Customers who prefer local community banking with relationship managers over digital-only banks, Individuals with wealth management needs including trust services and investment planning.
Key strengths: Comprehensive service offerings including personal banking, business banking, lending, mortgages, and wealth management in one institution; Mobile banking app (FABTGo) with modern features including Zelle money transfers, mobile check deposit, and debit card controls; Dedicated business services including treasury management, remote deposit capture, and tailored business lending solutions. Areas to consider: Website provides minimal information about specific fee structures, interest rates, or account minimums for comparison; No prominent information about insurance products, credit cards, or broader financial services some customers may need.
In the Banks category, comparable providers include American Pride Bank, Ameris Bank, United Community. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
First American Bank & Trust is profile signals for customers seeking a full-service community bank with personalized service, local decision-making, and integrated financial solutions across personal, business, and wealth management. The primary caveat is that the website lacks specific details about rates, fees, and product terms, requiring direct contact with the bank for comparison shopping and account qualification information.
FDIC-insured bank offering checking, savings, credit cards, and retirement products designed for small business owners and entrepreneurs.
Profile signals: Small business owners and entrepreneurs seeking a bank designed specifically for their needs, Consumers wanting high-yield checking with competitive APY and rewards structure
Regional bank operating in 8 southeastern states with full-service and mortgage-only locations, offering personal and commercial banking, mortgages, and equipment financing.
Profile signals: Southeast-based small business owners seeking commercial banking and equipment financing with local relationships, Homebuyers in Alabama, Florida, Georgia, North Carolina, or South Carolina wanting local mortgage experience context
United Community is an FDIC-insured bank offering personal and business banking, lending, mortgages, and wealth management services across multiple locations including Embry Hills, GA.
Google rating from 130 reviews
Profile signals: Customers seeking full-service banking with both personal and business accounts at a single institution, Small business owners needing listed lending (SBA, USDA, industry-specific programs) and treasury management
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