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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

$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