PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.66%Q2 ’246.22%Q2 ’256.10%Q2 ’26+18%-4%

Non-interest income vs. expense

2.94%Q2 ’242.88%Q2 ’253.00%Q2 ’26-3%+8%

Executive Summary

  • Earnings: ROA of 1.24%, up 6 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 0.32% of loans (-171 bps YoY), with net charge-offs at 0.09%.
  • 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 (quarter, annualized)

1.24%+6 bps YoY

Net Interest Margin (quarter, annualized)

4.46%-21 bps YoY

Efficiency Ratio (quarter, annualized)

57.70%+481 bps YoY

Tier 1 Leverage Ratio

10.19%+75 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%1.34%0.86%1.21%1.24%+6 bps
Return on Equity15.53%16.84%10.22%14.08%14.29%-124 bps
Net Interest Margin4.67%4.58%4.54%4.34%4.46%-21 bps
Efficiency Ratio52.89%58.32%56.23%58.94%57.70%+481 bps
Non-Interest Burden2.10%2.34%2.23%2.26%2.26%+16 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 / Loans1.28%0.79%1.67%3.63%0.09%-118 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