Altamaha Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 31.96 percentage points lower than in Q1 2026, at 232.88%. Altamaha Bank and Trust Company ranks 60th of 121 Georgia banks on return on assets, in the upper half at 1.58% (Q2 2026). Altamaha Bank and Trust Company reported 1.58% on return on assets for Q2 2026, 0.32 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.08% |
| Tier 1 risk-based capital ratio | 13.08% |
| Total risk-based capital ratio | 13.87% |
| Tier 1 leverage ratio | 10.19% |
| Equity capital to assets | 8.78% |
| Tangible equity to tangible assets | 8.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 2.79% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | 232.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 18.21% |
| Net interest margin | 4.73% |
| Efficiency ratio | 57.00% |
| Yield on earning assets | 6.43% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.09% |
| Core deposits to total deposits | 91.20% |
| Brokered deposits to total deposits | 0.33% |
| Deposits to assets | 90.93% |
| Securities to assets | 17.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.92% | 12.92% | 14.17% | 9.72% | 1.33% |
| Q4 2023 | 12.96% | 12.96% | 14.21% | 10.03% | 1.53% |
| Q1 2024 | 12.86% | 12.86% | 14.11% | 9.47% | 1.47% |
| Q2 2024 | 12.88% | 12.88% | 14.13% | 9.60% | 1.61% |
| Q3 2024 | 13.14% | 13.14% | 14.39% | 9.84% | 1.64% |
| Q4 2024 | 12.38% | 12.38% | 13.64% | 9.61% | 1.32% |
| Q1 2025 | 12.89% | 12.89% | 14.14% | 9.62% | 2.20% |
| Q2 2025 | 11.96% | 11.96% | 13.21% | 9.44% | 1.48% |
| Q3 2025 | 12.23% | 12.23% | 13.48% | 9.85% | 1.71% |
| Q4 2025 | 12.35% | 12.35% | 13.60% | 10.04% | 1.09% |
| Q1 2026 | 12.55% | 12.55% | 13.16% | 9.97% | 1.52% |
| Q2 2026 | 13.08% | 13.08% | 13.87% | 10.19% | 1.58% |
Altamaha Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Altamaha Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)