BlastPoint's Banking Scorecard
Altamaha Bank & Trust Company
Vidalia, GA
4 branches across GA
Altamaha Bank & Trust Company has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.68% above tier average
- + Efficiency Ratio 6.35% below tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 8.9% in tier
- - Margin Compression: Bottom 13.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$329.7M
+0.3% YoY
-1.1% QoQ
|
-$56.4M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$250.2M
+11.6% YoY
-0.1% QoQ
|
-$5.5M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$300.8M
-0.8% YoY
+0.8% QoQ
|
-$27.2M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
55% |
| Return on Assets ? |
1.53%
-30.3% YoY
-5.3% QoQ
|
+0.26% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
4.61%
+1.9% YoY
-3.7% QoQ
|
+0.68% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
85% |
| Efficiency Ratio ? |
58.94%
+4.8% YoY
+5.5% QoQ
|
-6.35% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
0.24%
-53.1% YoY
-79.4% QoQ
|
-0.65% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
83.18%
+12.5% YoY
-1.0% QoQ
|
+6.55% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
27.77%
-18.1% YoY
-12.4% QoQ
|
+5.75% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.18%
-47.8% YoY
-79.2% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
12.55%
-2.7% YoY
+1.6% QoQ
|
-3.28% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.18%
-24.9% YoY
-77.7% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
82% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.