Altamaha Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings dropped 1.09 percentage points in Q2 2026, from 5.96% to 4.87%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Altamaha Bank and Trust Company is 48th of 121 on net interest margin, 4.73% as of Q2 2026, above the middle of the field. Altamaha Bank and Trust Company reported 4.73% on net interest margin for Q2 2026, 0.78 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 4.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.73% |
| Yield to cost spread | 3.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.29% | 1.31% | 4.04% |
| Q4 2023 | 5.51% | 1.54% | 4.03% |
| Q1 2024 | 5.70% | 1.73% | 4.04% |
| Q2 2024 | 5.67% | 1.86% | 3.99% |
| Q3 2024 | 5.98% | 1.99% | 4.14% |
| Q4 2024 | 5.88% | 1.87% | 4.15% |
| Q1 2025 | 6.08% | 1.65% | 4.51% |
| Q2 2025 | 6.48% | 1.94% | 4.89% |
| Q3 2025 | 6.59% | 2.02% | 4.86% |
| Q4 2025 | 6.55% | 1.74% | 4.88% |
| Q1 2026 | 6.31% | 1.82% | 4.62% |
| Q2 2026 | 6.43% | 1.84% | 4.73% |
Altamaha Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Altamaha Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)