At a glance
From its website, read 2 Nov 2026First American Bancorp is a bank holding company based in Athens, Georgia. Its website describes auto loans, commercial real estate loans, equipment loans and 5 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (706) 354-5000 source |
|---|---|
| Website | www.fabathens.com |
| Office (official list) | P.O. Box 1688, Athens, GA 30603 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jul 2025 |
| RSSD ID | 1138188 |
| Address | P.O. Box 1688, Athens, GA 30603 Directions to the main office (Google Maps) |
| Website | www.fabathens.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages fetched do not state a service area or loan amounts for the current products. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto loans | source |
| Commercial real estate loans | — | First American Bank & Trust will expertly walk you through the steps of financing the purchase, expansion or renovation of retail, office, industrial and multi-unit properties. | source |
| Equipment loans | — | Whether it's one vehicle, a whole fleet or major upgrades to your business equipment, First American Bank & Trust can secure a deal that won't drain your capital or credit lines. | source |
| Home repair / improvement loans | — | Home improvement loans | source |
| Home mortgages | — | options to finance your dream home. | source |
| Personal / consumer loans | — | Personal loans | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | We offer 504 to small businesses through the Small Business Administration (SBA), enabling companies to launch, improve and grow. | source |
| Small-business loans | — | If your business is in need of financing for accounts receivable, inventory or new business acquisitions, a working capital line of credit from First American may be the right solution. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.fabt.bank/
- https://www.fabt.bank/personal/mortgage-lending-team
- https://www.fabt.bank/lending/business-loans
- https://www.fabt.bank/lending/personal-loans
- https://www.fabt.bank/business/business-loans
- https://www.fabt.bank/business/paycheck-protection-loans
- https://www.fabt.bank/business/treasury-management-services
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: First American Bank and Trust Company (FDIC cert 16858, total assets $901.9 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $901.9 million (as of 30 Jun 2026) |
|---|---|
| Offices | 7 (as of 30 Oct 2026) |
Offices by state and county (7)
Georgia (7 offices)
- Barrow County (1): 65 E May St, Winder 30680
- Clarke County (3): 300 College Ave, Athens 30601 (main office); 2241 W Broad St, Athens 30606; 825 Hull Rd, Athens 30601
- Gwinnett County (1): 235 W Crogan St, Lawrenceville 30046
- Oconee County (1): 1681 Experiment Station Rd, Watkinsville 30677
- Rabun County (1): 550 Highway 441 S, Clayton 30525
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, First American Bank and Trust Company (RSSD 921039, FDIC cert 16858), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $709.3 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 11.5% from $636.4 million on 30 Jun 2025 |
| Total assets | $901.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $156.2 million | 22.0% |
| Home equity lines of credit | $22.2 million | 3.1% |
| Commercial real estate, construction and multifamily | $499.1 million | 70.3% |
| Commercial and industrial (business) loans | $16.5 million | 2.3% |
| Farmland and farm production loans | $2.6 million | 0.4% |
| Consumer loans (credit cards, auto, other) | $13.6 million | 1.9% |
Within consumer loans: auto loans $445,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 12 loans $536,000 | 97 loans $2.1 million |
| $100,001 to $250,000 | 32 loans $3.6 million | 48 loans $4.1 million |
| $250,001 to $1 million | 88 loans $32.1 million | 36 loans $4.2 million |
| All small business loans | 132 loans $36.2 million | 181 loans $10.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | none reported | 1 loan $3,000 |
| $100,001 to $250,000 | 3 loans $472,000 | 3 loans $384,000 |
| $250,001 to $500,000 | none reported | 1 loan $317,000 |
| All small farm loans | 3 loans $472,000 | 5 loans $704,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists First American Bancorp as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- First American Bank & Trust Co: 232 originated home loans
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $901.9 million | Larger than 90% of the 10 other certified banks and bank holding companies in Georgia (median $188.1 million). |
| Loans as a share of assets | 79% | Median of the same 10 banks and bank holding companies: 59%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $636.4 million → $709.3 million (+11%) | Median change of 10 other certified banks and bank holding companies in Georgia: +4%. Rank by loans held among these 11: 1 → 1. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Georgia | 10 | larger than 90% |
| Loans held then vs now | certified banks and bank holding companies in Georgia reporting both dates | 10 | rank 1 → 1 of 11 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary First American Bank & Trust Co is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Athens and Georgia
- First American Bank & Trust CoBank or thrift · Athens, GAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- Access to Capital for Entrepreneurs, Inc.Loan fund · Cleveland, GACommercial real estate loans, Microloans, Small-business loansVerified
- Albany Community Together, Inc.Loan fund · Albany, GAMicroloans, Small-business loansVerified
- Bank of CamillaBank or thrift · Camilla, GAAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home repair / improvement loans…Verified
- Catalyst Development CORPORATIONLoan fund · Savannah, GAMicroloansVerified
- Citizens Trust BankBank or thrift · Atlanta, GAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at First American Bancorp? Link to this page
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