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Altamaha Bank And Trust Company

IDRSSD: 199436
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q2QoQ -18

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #199436 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.32% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.06% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -18 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↓ -25
  • Reserves
    ↓ -44

The five pillars

Liquidity

StableQoQ -12
80
Sub-score

Liquidity is stable: brokered 1.2%, loans/deposits 79.6%, cash 3.5% of assets.

Cash / Assets
3.48%
Loans / Deposits
79.64%
Brokered %
1.16%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.36%
No watch items at this period.

Capitalization

StableQoQ -11
77
Sub-score

Capital position is stable: Tier 1 RBC 11.96%, CET1 11.96%, leverage 9.44%.

Tier 1 RBC
11.96%
CET1
11.96%
Leverage
9.44%
No watch items at this period.

Asset Quality

StableQoQ -25
74
Sub-score

Asset quality is stable: Adjusted NPL 2.06%, Texas Ratio 14.2%, NCO YTD 1.32%.

Adjusted NPL
2.06%
Govt-guarantees stripped
Texas Ratio
14.2%
NCO YTD
1.32%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.06% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.32% of loans.

Reserves

WatchQoQ -44
55
Sub-score

Reserves are deteriorating: ALLL 1.44% of loans, coverage 71.0%, true coverage 70.4%.

ALLL / Loans
1.44%
Coverage
71.0%
True Loss Coverage
70.4%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 07:30:09 UTC