Vidalia, GA · Cert 19590 · Altamaha Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.05% | 1.73% | 1.18% | 1.34% | 0.86% | 1.21% | 1.24% | +6 bps | |
| Return on Equity | 16.69% | 13.77% | 23.49% | 15.53% | 16.84% | 10.22% | 14.08% | 14.29% | -124 bps | |
| Net Interest Margin | 3.99% | 3.97% | 4.31% | 4.67% | 4.58% | 4.54% | 4.34% | 4.46% | -21 bps | |
| Efficiency Ratio | 62.97% | 61.91% | 56.23% | 52.89% | 58.32% | 56.23% | 58.94% | 57.70% | +481 bps | |
| Non-Interest Burden | 2.25% | 2.20% | 2.00% | 2.10% | 2.34% | 2.23% | 2.26% | 2.26% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.82% | 13.26% | 9.64% | 10.55% | 7.34% | 0.90% | 0.27% | 1.75% | -880 bps | |
| Loan Growth (YoY) | 5.56% | 11.35% | 14.39% | 21.05% | 21.24% | 13.40% | 10.61% | 0.76% | -2,029 bps | |
| Deposit Growth (YoY) | 5.93% | 13.66% | 9.23% | 10.35% | 6.33% | -2.49% | -0.84% | 0.41% | -994 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.67% | 0.50% | 2.03% | 1.86% | 1.15% | 0.24% | 0.32% | -171 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.13% | 0.00% | 1.28% | 0.79% | 1.67% | 3.63% | 0.09% | -118 bps | |
| Allowance / Loans | 1.49% | 1.48% | 1.49% | 1.44% | 1.41% | 1.35% | 0.63% | 0.83% | -62 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.2x | 3.0x | 0.7x | 0.8x | 1.2x | 2.6x | 2.6x | +1.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.84% | 9.61% | 9.62% | 9.44% | 9.85% | 10.04% | 9.97% | 10.19% | +75 bps | |
| Total Risk-Based Capital | 14.39% | 13.64% | 14.14% | 13.21% | 13.48% | 13.60% | 13.16% | 13.87% | +66 bps | |
| Equity / Assets | 8.07% | 7.20% | 7.55% | 7.62% | 8.28% | 8.56% | 8.56% | 8.78% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.27% | 73.21% | 75.05% | 80.81% | 83.55% | 85.14% | 83.71% | 81.09% | +28 bps | |
| Liquid Assets / Assets | 12.71% | 12.75% | 11.53% | 6.39% | 5.71% | 5.68% | 5.85% | 6.91% | +52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 282% | 278% | 280% | n/a | n/a | |