Question 1

What is American Bank & Trust Company (Kentucky)?

Accepted Answer

American Bank & Trust Company is a community bank headquartered in Bowling Green, Kentucky, with approximately $890 million in total assets. As a state-chartered commercial bank supervised by the FDIC, it operates 6 full-service branches throughout South Central Kentucky's Bowling Green metropolitan area.

The bank positions itself as a traditional community bank that combines personalized service with modern banking capabilities. With 99 employees serving the Warren County region, American Bank & Trust focuses on building personal relationships with customers while offering competitive rates and services that rival larger national institutions.

Question 2

When was American Bank & Trust Company (Kentucky) founded?

Accepted Answer

American Bank & Trust Company was established on July 5, 2000. The bank was formed with the specific mission of being a community-driven institution dedicated to providing customers with a pleasant banking experience.

Since its founding, the bank has maintained a primary focus on home lending and serving the financial needs of residents and businesses in Bowling Green and South Central Kentucky. Over its more than two decades of operation, it has grown to hold over $772 million in deposits while maintaining its community bank philosophy.

Question 3

Where is American Bank & Trust Company (Kentucky) headquartered?

Accepted Answer

American Bank & Trust Company is headquartered in Bowling Green, Kentucky. The main office is located at 1302 Scottsville Road, Bowling Green, KY 42103.

Question 4

Where does American Bank & Trust Company (Kentucky) operate?

Accepted Answer

American Bank & Trust Company operates exclusively in the Bowling Green, Kentucky metropolitan area within Warren County. The bank has 6 full-service brick-and-mortar branch locations throughout Bowling Green, including:
• Main office at 1302 Scottsville Road (established July 2000)
• Nashville Road Branch at 3011 Nashville Road (opened September 2004)
• Louisville Road Branch at 3411 Louisville Road (opened October 2004)
• Fairview Avenue Branch at 1115 Fairview Avenue (opened February 2008)
• Additional locations on Lovers Lane and other areas of the city

All branches serve the South Central Kentucky region, with a particular focus on Warren County and the surrounding communities.

Question 5

What services does American Bank & Trust Company (Kentucky) offer?

Accepted Answer

American Bank & Trust Company offers a comprehensive range of personal and commercial banking services, including:

Deposit Services: Checking accounts (including Liberty Checking with BaZing benefits), savings accounts, certificates of deposit, and money market accounts.

Lending Services: Mortgage loans, home equity loans, consumer loans, commercial loans, and ABT Visa credit cards. The bank has a dedicated home lending division (abthomeloans.com) focused on providing various mortgage options for area residents.

Digital Banking: Online banking platform with real-time balances, account history, check imaging, fund transfers, secure messaging, and downloadable transaction history. Bill pay services allow customers to manage recurring and one-time payments electronically.

Mobile Banking: Free mobile banking app available for iPhone and Android devices, enabling customers to check balances, transfer funds, and manage accounts on the go. The bank also offers SecurLOCK Equip, a mobile app that allows cardholders to control their debit and credit cards through location-based controls, transaction limits, and instant alerts.

Additional Services: E-statements with 24-month online access, ATM services, and safe deposit boxes.

Question 6

What makes American Bank & Trust Company (Kentucky) unique?

Accepted Answer

American Bank & Trust Company distinguishes itself through its deep commitment to community involvement and personalized service. The bank describes its approach as "traditional banking at its best," emphasizing personal relationships and getting to know customers on an individual basis.

Community Engagement: The bank actively participates in and sponsors numerous nonprofit organizations and community events in Warren County. Staff members regularly volunteer for initiatives including United Way Day of Caring, Habitat for Humanity, Junior Achievement's Penguin Plunge fundraiser, the Family Enrichment Center, the Child Advocacy Center, and Stand for Children Day.

Local Decision-Making: Unlike larger national banks, American Bank & Trust maintains local lending authority, allowing for personalized loan decisions that put individual customer needs at the forefront. This community bank structure enables faster responses and more flexible solutions tailored to the local market.

Balanced Approach: While maintaining traditional community banking values, the bank offers competitive technology and digital banking tools, describing itself as "a traditional bank with national capabilities." This combination allows customers to access modern banking conveniences while receiving personalized attention.

The bank's tagline, "Service the American Way," reflects its philosophy of professional care and comfortable banking experiences reminiscent of traditional community banking.

Question 7

What type of financial institution is American Bank & Trust Company (Kentucky)?

Accepted Answer

American Bank & Trust Company is a Community Bank operating under a state charter. Specifically, it is classified as a commercial bank with a state charter, non-Federal Reserve member, supervised by the Federal Deposit Insurance Corporation (FDIC).

As a community bank, it exemplifies the key characteristics of this institution type: local ownership, community focus, personalized service, and relationship-based banking. The bank operates independently within its defined geographic market, making lending and business decisions locally rather than through a distant corporate headquarters.

The FDIC provides deposit insurance up to applicable limits, and the bank maintains a Tier 1 Risk-Based Capital Ratio of 10.62%, demonstrating solid financial strength. With assets of approximately $890 million and strong performance metrics (ROA of 0.98% and ROE of 11.9%), American Bank & Trust represents a well-capitalized community bank serving the South Central Kentucky market.

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About American Bank & Trust Company (Kentucky) in the United States