AB&T Financial Corporation operates as the holding company for Alliance Bank & Trust Company that provides commercial banking services to individuals and small businesses principally in Gaston and Cleveland counties of North Carolina. Its deposit products include interest-bearing and noninterest-bearing demand deposits, NOW interest bearing deposits, savings and money market accounts, and time deposits. The company’s loan portfolio comprises commercial and industrial, real estate mortgage and construction, and consumer loans. It operates through four branch offices in Gastonia, Shelby, and Kings Mountain, North Carolina. The company was founded in 2004 and is headquartered in Gastonia, North Carolina.