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Altamaha Bank & Trust Company
Vidalia, GA · FDIC Certificate #19590 · Chartered 05/1
Total assets
$334.12M
Total deposits
$303.81M
Total equity
$29.34M
Net loans
$244.32M
Branches (offices)
4
Net income (YTD)
$2.58M
Rank: #2,313 of 4,213 U.S. banks by assets · #61 of 123 in Georgia. Assets changed 1.7% and deposits 0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.55% |
| Return on equity | 17.99% |
| Net interest margin (YTD) | 4.66% |
| Equity to assets | 8.78% |
| Tier 1 leverage ratio | 10.19% |
| Uninsured deposits (share of deposits) | 24.9% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 1.87% |
| Loans to deposits | 80.4% |
| Real estate loans (share of loans) | 75.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $184.00M | 75.3% | |
| Commercial & industrial | $46.90M | 19.2% | |
| Consumer / individual | $10.14M | 4.1% | |
| Construction & development | $10.09M | 4.1% | |
| Agricultural | $2.64M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $268.15M | $249.69M | $2.23M | $17.30M |
| Jun 2023 | $280.92M | $260.49M | $2.12M | $19.75M |
| Jun 2024 | $297.05M | $274.18M | $2.29M | $22.06M |
| Jun 2025 | $328.38M | $302.56M | $3.04M | $25.02M |
| Jun 2026 | $334.12M | $303.81M | $2.58M | $29.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $303.81M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $303.81M.
Similar-sized banks
The Citizens Bank Company ($334.64M) · Reliance Bank ($334.12M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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