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
Unfavorable gap of $7.5M · efficiency ratio beats 59% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.94% | 1.46% | 1.76% | Beats 34% | 39 / 59 | | |
| Return on Equity | 13.81% | 7.92% | 11.60% | 15.10% | Beats 63% | 22 / 59 | | |
| Net Interest Margin | 4.41% | 3.66% | 4.24% | 4.75% | Beats 56% | 26 / 59 | | |
| Efficiency Ratio | 58.31% | 51.87% | 60.25% | 70.24% | Beats 59% | 25 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.10% | 0.36% | 0.89% | Beats 59% | 25 / 58 | | |
| Net Charge-Offs / Loans | 0.96% | 0.00% | 0.02% | 0.05% | Beats 2% | 58 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 13.08% | 11.93% | 15.65% | 21.05% | Beats 32% | 40 / 59 | | |
| Total Risk-Based Capital Ratio | 13.87% | 12.05% | 15.77% | 22.26% | Beats 34% | 39 / 59 | | |
| Equity / Assets | 8.78% | 9.10% | 11.51% | 14.32% | Beats 19% | 48 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.09% | 59.62% | 72.81% | 85.44% | 64th pctl | 21 / 58 | | |
| Loans / Assets | 73.73% | 49.55% | 64.39% | 73.73% | 75th pctl | 15 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |