Altamaha Bank and Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 10.8% in Q2 2026, from -$5.0M to -$4.5M. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Altamaha Bank and Trust Company is 67th of 79 on CET1 ratio, 13.08% as of Q2 2026, below the middle of the field. Altamaha Bank and Trust Company reported 13.08% on CET1 ratio for Q2 2026, 1.99 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.08% |
| Tier 1 risk-based capital ratio | 13.08% |
| Total risk-based capital ratio | 13.87% |
| Tier 1 leverage ratio | 10.19% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $33.8M |
| Tier 1 capital | $33.8M |
| Total risk-based capital | $35.9M |
| Total equity capital | $29.3M |
| Risk-weighted assets | $258.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.78% |
| Tangible equity to tangible assets | 8.78% |
| Equity capital to average assets | 8.84% |
| Internal capital growth rate | 8.08% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $6.8M |
| Retained earnings | $26.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.92% | 12.92% | 14.17% | 9.72% | $210.8M |
| Q4 2023 | 12.96% | 12.96% | 14.21% | 10.03% | $218.4M |
| Q1 2024 | 12.86% | 12.86% | 14.11% | 9.47% | $218.8M |
| Q2 2024 | 12.88% | 12.88% | 14.13% | 9.60% | $222.1M |
| Q3 2024 | 13.14% | 13.14% | 14.39% | 9.84% | $225.1M |
| Q4 2024 | 12.38% | 12.38% | 13.64% | 9.61% | $247.3M |
| Q1 2025 | 12.89% | 12.89% | 14.14% | 9.62% | $245.6M |
| Q2 2025 | 11.96% | 11.96% | 13.21% | 9.44% | $262.8M |
| Q3 2025 | 12.23% | 12.23% | 13.48% | 9.85% | $263.0M |
| Q4 2025 | 12.35% | 12.35% | 13.60% | 10.04% | $267.7M |
| Q1 2026 | 12.55% | 12.55% | 13.16% | 9.97% | $265.1M |
| Q2 2026 | 13.08% | 13.08% | 13.87% | 10.19% | $258.6M |
Altamaha Bank and Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Altamaha Bank and Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Altamaha Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19590) · FFIEC NIC profile (RSSD 199436)