Altamaha Bank & Trust Company: how it compares with its peers
Against 72 GA banks with half to twice its assets, Altamaha Bank & Trust Company's strongest measure in Q2 2026 is net interest margin (4.66% vs. a 4.62% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $7.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.55% | 1.58% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.66% | 4.62% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.31% | 57.08% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $7.0M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.42% | 78.89% | Context |
What it means for lending operations
Its efficiency ratio of 58.31% is above the 57.08% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Newington Newington, GA · $334M
- Douglas National Bank Douglas, GA · $327M
- First Southern Bank Waycross, GA · $347M
- Classic City Bank Athens, GA · $314M
- Flint Community Bank Albany, GA · $357M
- United National Bank Cairo, GA · $309M
Questions about Altamaha Bank & Trust Company
How big is Altamaha Bank & Trust Company?
Altamaha Bank & Trust Company, established in 1966, is headquartered in Vidalia, GA. It reported $334M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Altamaha Bank & Trust Company's return on assets?
1.55% annualized in Q2 2026, against a 1.58% median for 72 GA banks with half to twice its assets, ahead of 46% of them.
What is Altamaha Bank & Trust Company's efficiency ratio?
58.31% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 57.08%, and lower is better.
Is Altamaha Bank & Trust Company growing its loans?
Net loans grew 1.4% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.