Founded in 1928 as a private banking company, First American Bank originally operated as Hubert Banking Company under the direction of J.H. Hubert, Senior. Its first location was in a building at the corner of College and Broad Streets across from the University of Georgia arch. In 1948, after Mr. Hubert's death, his daughters moved locations to a building at the corner of Washington and College Avenue, across the street from our present location. The banking company was granted a state banking charter in 1949 changing the bank company to Hubert State Bank. In 1962, a group of investors purchased Hubert State Bank. The State Banking Authority authorized a name change in December 18, 1963, which lead to the bank's present name of First American Bank and Trust Company. In 1971, First American Bank acquired the old post office/federal courthouse building that was constructed in 1906. This building is listed on the National Register of Historic Places. After extensive renovations and the addition of a parking facility, First American Bank was able to move into its present location in June 1973. This building, located at 300 College Avenue, was the first adaptive reuse of an historical structure in the Downtown Athens area. In 1986, First American Bank formed a holding company under the name of First American Bancorp. A stock conversion was conducted and at present, the stockholders of the holding company are the owners of the Bank.


First American Bank and Trust Company is a full-service bank offering a full range of consumer and commercial checking and savings accounts, certificates of deposit and IRA's, money market accounts; installment, commercial and mortgage loans; ATM and Debit cards; check imaging, 24 hour voice response and free online and mobile banking with bill pay options; as well as credit cards and Trust Services. 
In 2000, First American Bank and Trust Company received the prestigious “Community Bank of the Year” award from the Georgia Community Bankers Association. This award is presented annually to one of the more than 350 community banks throughout the state of Georgia that best demonstrates the highest and best level of quality service to its customers, its staff and its community. In an effort to continue to take advantage of its strength and current market conditions, First American Bank was approved by the FDIC to participate as a potential acquiror for failing institutions and has completed two FDIC-assisted transactions over the last few years. In July of 2009, First American Bank acquired First Piedmont Bank through the FDIC Loss Share program. Located on E. May Street in Winder, GA the Winder Branch has allowed First American Bank to expand into the Barrow County market providing excellent products, services and the opportunity to become the community bank of choice for the Winder community. In July of 2011, First American acquired Mountain Heritage Bank in Clayton Georgia through the FDIC Loss Share program. The purchase of Mountain Heritage Bank, located on Hwy 441 in Clayton, has enabled First American to expand its services to six branches in four counties including Rabun County, Barrow, Oconee and Athens-Clarke counties. First American Bank and Trust remains one of the strongest financial institutions in the state and in the face of one of the worst economic downturns in this nation’s history, the bank has been significantly outperforming its peers, not only in Georgia but throughout the Southeast. During these difficult market conditions, the Bank continued to increase its profitability, while maintaining appropriate credit quality and a healthy capital position. The Company has also continued to pay a consistent dividend to shareholders during a time when many financial institutions have suspended the payment of dividends. While it is true that over 80 banks have failed in Georgia since 2008, the future for First American Bank appears bright, especially considering the vibrant markets in which the Company operates from a position of historical, financial and managerial strength.