Altamaha Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 267.0% higher than in Q1 2026, at $4.7M. Within Georgia, Altamaha Bank and Trust Company is 55th of 122 on loan-to-deposit ratio, 81.09% as of Q2 2026, above the middle of the field. At 81.09%, Altamaha Bank and Trust Company's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $19.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $79.0M |
| Fed funds sold and reverse repos | $4.7M |
| Fed funds sold and reverse repos to assets | 1.42% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.09% |
| Net loans and leases to deposits | 80.42% |
| Loans and leases to core deposits | 88.59% |
| Core deposits to total deposits | 91.20% |
| Brokered deposits to total deposits | 0.33% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 73.53% | 91.97% | $0 | $0 |
| Q4 2023 | 74.73% | 92.66% | $0 | $0 |
| Q1 2024 | 71.66% | 92.71% | $0 | $0 |
| Q2 2024 | 73.67% | 91.92% | $0 | $0 |
| Q3 2024 | 73.27% | 91.34% | $0 | $0 |
| Q4 2024 | 73.21% | 92.06% | $0 | $0 |
| Q1 2025 | 75.05% | 91.86% | $0 | $0 |
| Q2 2025 | 80.81% | 91.84% | $0 | $0 |
| Q3 2025 | 83.55% | 90.47% | $2.3M | $0 |
| Q4 2025 | 85.14% | 90.36% | $0 | $6.0M |
| Q1 2026 | 83.71% | 91.12% | $0 | $0 |
| Q2 2026 | 81.09% | 91.20% | $0 | $0 |
Altamaha Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Altamaha Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, 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)