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Altamaha Bank and Trust Company

Vidalia, GA · Cert 19590 · Altamaha Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

59

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Altamaha Bank and Trust Company

Vidalia, GA · Cert 19590 · Altamaha Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$334.1MAssets
$246.4MLoans
$303.8MDeposits
$29.3MEquity
Loan mix
74%RE $181.8M22%C&I $54.4M4%Consumer $10.2MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $216.6M29%Noninterest $87.2MQ2 2025Q2 2026

NIM

5.55%Q2 ’246.00%Q2 ’256.04%Q2 ’26+15%-1%

Non-interest income vs. expense

2.91%Q2 ’242.91%Q2 ’252.99%Q2 ’26-7%+11%

Executive Summary

  • Earnings: ROA of 1.22%, down 23 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.32% of loans (-171 bps YoY), with net charge-offs at 1.90%.
  • Capital: tier 1 leverage ratio of 10.19%, up 75 bps from a year ago.
  • Funding: loans stand at 81.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%-23 bps YoY

Net Interest Margin (YTD, annualized)

4.41%-6 bps YoY

Efficiency Ratio (YTD, annualized)

58.31%+378 bps YoY

Tier 1 Leverage Ratio

10.19%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.42%1.28%1.21%1.22%-23 bps
Return on Equity19.50%18.49%16.30%14.08%14.12%-538 bps
Net Interest Margin4.47%4.56%4.53%4.34%4.41%-6 bps
Efficiency Ratio54.53%55.78%55.89%58.94%58.31%+378 bps
Non-Interest Burden2.04%2.17%2.17%2.26%2.27%+23 bps
Growth
Asset Growth (YoY)10.55%7.34%0.90%0.27%1.75%-880 bps
Loan Growth (YoY)21.05%21.24%13.40%10.61%0.76%-2,029 bps
Deposit Growth (YoY)10.35%6.33%-2.49%-0.84%0.41%-994 bps
Asset Quality
Nonperforming Loans / Loans2.03%1.86%1.15%0.24%0.32%-171 bps
Net Charge-Offs / Loans0.64%0.69%0.92%3.63%1.90%+126 bps
Allowance / Loans1.44%1.41%1.35%0.63%0.83%-62 bps
Allowance Coverage of NPLs0.7x0.8x1.2x2.6x2.6x+1.9x
Capital
Tier 1 Leverage Ratio9.44%9.85%10.04%9.97%10.19%+75 bps
Total Risk-Based Capital13.21%13.48%13.60%13.16%13.87%+66 bps
Equity / Assets7.62%8.28%8.56%8.56%8.78%+116 bps
Liquidity & Funding
Loans / Deposits80.81%83.55%85.14%83.71%81.09%+28 bps
Liquid Assets / Assets6.39%5.71%5.68%5.85%6.91%+52 bps
CRE / Total Capitaln/a282%278%280%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Altamaha Bank and Trust Company

Vidalia, GA · Cert 19590 · Peer group: banks under $1B in assets in GA (n=58-59) · Altamaha Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$334.1MAssets
$246.4MLoans
$303.8MDeposits
$29.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 63% of banks under $1B in assets in GA (rank 22 of 59).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets in GA (rank 58 of 58).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.21%

Rank 39 of 59

Net Interest Margin

4.41%

Rank 26 of 59

Efficiency Ratio

58.31%

Rank 25 of 59

Equity / Assets

8.78%

Rank 48 of 59

Non-interest income vs. expense

$2.4M$9.9MINCOMEEXPENSE
Unfavorable gap of $7.5M · efficiency ratio beats 59% of banks under $1B in assets in GA
Bank 58.31%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.94%1.46%1.76%Beats 34%39 / 59
Return on Equity13.81%7.92%11.60%15.10%Beats 63%22 / 59
Net Interest Margin4.41%3.66%4.24%4.75%Beats 56%26 / 59
Efficiency Ratio58.31%51.87%60.25%70.24%Beats 59%25 / 59
Asset Quality
Nonperforming Loans / Loans0.32%0.10%0.36%0.89%Beats 59%25 / 58
Net Charge-Offs / Loans0.96%0.00%0.02%0.05%Beats 2%58 / 58
Capital
Tier 1 Capital Ratio13.08%11.93%15.65%21.05%Beats 32%40 / 59
Total Risk-Based Capital Ratio13.87%12.05%15.77%22.26%Beats 34%39 / 59
Equity / Assets8.78%9.10%11.51%14.32%Beats 19%48 / 59
Liquidity & Funding
Loans / Deposits81.09%59.62%72.81%85.44%64th pctl21 / 58
Loans / Assets73.73%49.55%64.39%73.73%75th pctl15 / 59
Brokered Deposits / Depositsn/aNot reported for this institution