ALTAMAHA BANK AND TRUST COMPANY

VIDALIA, GA | Small | Est. May 16, 1966, midnight | FDIC #19590 | RSSD #199436 | FDIC
Latest Report: 2025-12-31

ALTAMAHA BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in VIDALIA, GA, established in May 16, 1966, midnight. As of 2025-12-31, the bank reported total assets of $333M and total deposits of $298M. Profitability stands at 1.09% ROA and 12.95% ROE, with a net interest margin of 4.93%. The bank's CET1 capital ratio is 12.35%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.15% and a Texas Ratio of 9.15%. FDIC Certificate #19590.

Assets

$333M

Deposits

$298M

Loans

$254M

Equity

$29M

Profitability

Return on Assets (ROA) 1.09%
Return on Equity (ROE) 12.95%
Net Interest Margin (NIM) 4.93%
Yield on Assets 6.65%
Cost of Funds 1.71%

Asset Quality

NPL Ratio 1.15%
Net Charge-Off Ratio 0.92%
Texas Ratio 9.15%
NPA Ratio 0.88%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 12.35%
Tier 1 Capital 12.35%
Total Capital Ratio 13.60%
Leverage Ratio 10.04%
Loan-to-Deposit 85.14%

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