Altamaha Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Altamaha Bank and Trust Company of Vidalia, GA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.58% | 1.34% | +0.24% | 67th above |
| ROAE | 18.21% | 13.31% | +4.90% | 81st top |
| Net Interest Margin | 4.73% | 3.93% | +0.80% | 87th top |
| Efficiency Ratio | 57.00% | 61.14% | -4.14% | 63rd above |
| PPNR / Avg Assets | 2.20% | 1.68% | +0.52% | 80th top |
| Yield on Earning Assets | 6.43% | 5.67% | +0.76% | 85th top |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 47th below |
| Net Interest Spread | 3.93% | 3.32% | +0.61% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 54th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 19th bottom |
| ACL / Total Loans | 0.83% | 1.28% | -0.45% | 12th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 232.88% | 1539.13% | -1306.25% | 52nd above |
| Texas Ratio | 2.79% | 7.33% | -4.54% | 55th above |
| Provision / NCO | 41.20% | 1396.16% | -1354.96% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.08% | 19.51% | -6.43% | 29th below |
| Tier 1 Ratio | 13.08% | 19.54% | -6.46% | 29th below |
| Total Capital Ratio | 13.87% | 20.62% | -6.75% | 25th below |
| Leverage Ratio | 10.19% | 12.14% | -1.95% | 36th below |
| Equity / Assets | 8.78% | 11.38% | -2.60% | 24th bottom |
| TCE / Tangible Assets | 8.78% | 11.09% | -2.31% | 27th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.09% | 80.64% | +0.45% | 49th below |
| Core Deposit Ratio | 91.20% | 86.86% | +4.34% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.75% | 6.85% | -5.10% | 31st below |
| Loan Growth (Y/Y) | 0.76% | 7.91% | -7.15% | 25th below |
| Deposit Growth (Y/Y) | 0.41% | 6.29% | -5.88% | 25th below |
See Altamaha Bank and Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Altamaha Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Altamaha Bank and Trust Company profile, how to read a UBPR, or how this data updates.