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Altamaha Bank & Trust Company

$100M-$1B Specialty: Commercial GA FDIC cert 19590

Vidalia, GA

4 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +0.4% year over year ($303.8M on the books).
  • Delinquency rate 0.33%.
  • Return on assets 1.55%.
  • Efficiency ratio 58.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.42% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

Altamaha Bank & Trust Company has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.23% above tier average
  • + Net Interest Margin 0.68% above tier average
  • + Efficiency Ratio 6.17% below tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 47.6% in tier
Get updates when Altamaha Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $334.1M
+1.7% YoY +1.3% QoQ
-$52.4M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
52%
Total Loans ? $244.3M
+1.4% YoY -2.4% QoQ
-$14.0M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
58%
Total Deposits ? $303.8M
+0.4% YoY +1.0% QoQ
-$22.9M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 1.55%
-16.0% YoY +1.3% QoQ
+0.23% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
68%
Net Interest Margin ? 4.66%
-2.0% YoY +1.1% QoQ
+0.68% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
85%
Efficiency Ratio ? 58.31%
+6.9% YoY -1.1% QoQ
-6.17% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.33%
-84.2% YoY +35.9% QoQ
-0.59% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 80.42%
+1.0% YoY -3.3% QoQ
+2.47% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
48%
Non-Interest-Bearing Deposit Share ? 28.69%
+200.3% YoY +3.3% QoQ
+6.66% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
78%
Nonperforming Asset Ratio ? 0.24%
-84.3% YoY +30.9% QoQ
-0.43% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 13.08%
+9.4% YoY +4.3% QoQ
-2.83% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
49%
Non-Interest Income / Assets ? 0.36%
-17.6% YoY +99.7% QoQ
-0.21% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
81%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 28.7%
+19.1pp YoY
+0.9pp QoQ
 +6.5pp 22.1% 26.2% 22.2% 78%
Brokered Deposits 0.3%
-0.8pp YoY
0.0pp QoQ
 -7.5pp 7.9% 7.5% 8.5% 9%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 19.2%
-3.7pp YoY
-2.6pp QoQ
 +7.6pp 11.6% 9.7% 12.5% 86%
CRE 38.8%
+1.5pp YoY
+1.6pp QoQ
 -0.7pp 39.5% 48.9% 41.4% 50%
1-4 Family 20.9%
+2.6pp YoY
+1.6pp QoQ
 -11.8pp 32.6% 31.7% 31.3% 32%
Consumer 4.1%
-0.3pp YoY
+0.1pp QoQ
 0.0pp 4.1% 4.8% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 13.1%
+1.1pp YoY
+0.5pp QoQ
 -5.7pp 18.8% 20.9% 19.7% 29%
Leverage Ratio 10.2%
+0.7pp YoY
+0.2pp QoQ
 -2.0pp 12.2% 14.0% 12.6% 35%
Total Capital Ratio 13.9%
+0.7pp YoY
+0.7pp QoQ
 -6.1pp 19.9% 22.1% 20.8% 25%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 53
-1 (-1.9%) YoY
+2 (+3.9%) QoQ
 -6 58 98 482 56%
Assets per Employee ($) $6.3M
+3.7% YoY
-2.5% QoQ
 -$1.2M $7.5M $7.5M $8.8M 39%
Branch Count 4
0 YoY
0 QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.3%
-1.7pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 40%
Allowance Coverage 2.56x
+260.9% YoY
-3.2% QoQ
 -21.59x 24.15x 38.10x 20.23x 54%
Net Charge-off Rate (YTD) 1.9%
+1.2pp YoY
-1.7pp QoQ
 +1.7pp 0.1% 0.1% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 18.0%
-6.8pp YoY
+0.1pp QoQ
 +5.8pp 12.2% 13.6% 11.6% 82%
Cost of Funds (YTD) 1.7%
+0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 52%
Net Income ($, YTD) $2.6M
-15.2% YoY
— QoQ
 +$26K $2.6M $6.6M $40.4M 63%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline
#147 of 307 • Bottom 47.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.55%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

408
Net Interest Margin
profitability
Value: 4.66%
Peer Median: 3.99%
#408 of 2643 Top 15.4% in $100M-$1B
502
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#502 of 2643 Top 19.0% in $100M-$1B
573
Non-Interest-Bearing Deposit Share
funding
Value: 28.69%
Peer Median: 22.03%
#573 of 2643 Top 21.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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