Altamaha Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans to total assets dropped 2.64 percentage points in Q2 2026, from 76.38% to 73.73%. It was the largest change from Q1 2026 among the key lines here. 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. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Altamaha Bank and Trust Company reported 81.09% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $246.4M |
| Net loans and leases | $244.3M |
| Loans held for sale | $0 |
| Loans to total assets | 73.73% |
| Loan-to-deposit ratio | 81.09% |
| Net loans to equity capital | 8.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.13% |
| Multifamily (5+ residential) | 2.27% |
| Commercial and industrial | 19.04% |
| Consumer | 4.12% |
| Credit cards | 0.00% |
| Farm | 15.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 111.73% |
| Construction concentration (Tier 1 capital + allowance) | 28.13% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.39% |
| Interest income on loans | $4.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $192.8M | $262.1M | 31.23% | 22.22% | 4.60% |
| Q4 2023 | $201.2M | $269.2M | 32.22% | 21.10% | 4.51% |
| Q1 2024 | $199.0M | $277.7M | 32.12% | 22.34% | 4.68% |
| Q2 2024 | $202.0M | $274.2M | 31.97% | 21.99% | 4.85% |
| Q3 2024 | $203.5M | $277.7M | 31.32% | 22.38% | 5.04% |
| Q4 2024 | $224.0M | $305.9M | 30.85% | 22.35% | 4.58% |
| Q1 2025 | $227.7M | $303.4M | 32.51% | 21.36% | 4.59% |
| Q2 2025 | $244.5M | $302.6M | 32.55% | 22.61% | 4.39% |
| Q3 2025 | $246.7M | $295.3M | 32.28% | 21.54% | 4.50% |
| Q4 2025 | $254.0M | $298.3M | 31.37% | 22.82% | 4.18% |
| Q1 2026 | $251.8M | $300.8M | 31.40% | 21.61% | 4.07% |
| Q2 2026 | $246.4M | $303.8M | 32.13% | 19.04% | 4.12% |
Altamaha Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Altamaha Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)