Side-by-side · Q2 2026 data
Altamaha Bank & Trust Company vs First National Bank of Decatur County
Metric by metric
| Measure | Altamaha Bank & Trust Company | First National Bank of Decatur County |
|---|---|---|
| TellerScore | 74 (stronger) | 55 |
| Capital cushion | 52 (stronger) | 24 |
| Loan quality | 89 (stronger) | 88 |
| Earnings | 82 (stronger) | 31 |
| Funding & liquidity | 69 | 73 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 57th | 11th |
| Total assets | $334.1M | $359.6M |
| Deposits / shares | $303.8M | $330.8M |
| Capital ratio | 10.19% (stronger) | 7.42% |
| Problem loans | 0.32% (stronger) | 0.36% |
| Net charge-offs | 1.87% | 0.04% (stronger) |
| Return on assets | 1.55% (stronger) | 0.26% |
| Loans ÷ deposits | 80.4% | 80.2% (stronger) |
| Uninsured deposits | 24.9% | 21.8% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.0% |
Altamaha Bank & Trust Company has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Altamaha Bank & Trust Company leads on 4 and First National Bank of Decatur County on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.