Side-by-side · Q2 2026 data
Altamaha Bank & Trust Company vs Vidalia Federal Savings Bank
Metric by metric
| Measure | Altamaha Bank & Trust Company | Vidalia Federal Savings Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 64 |
| Capital cushion | 52 | 70 (stronger) |
| Loan quality | 89 (stronger) | 74 |
| Earnings | 82 (stronger) | 0 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 57th | 26th |
| Total assets | $334.1M | $212.0M |
| Deposits / shares | $303.8M | $164.3M |
| Capital ratio | 10.19% | 12.05% (stronger) |
| Problem loans | 0.32% (stronger) | 0.79% |
| Net charge-offs | 1.87% | 0.00% (stronger) |
| Return on assets | 1.55% (stronger) | -0.80% |
| Loans ÷ deposits | 80.4% | 59.1% (stronger) |
| Uninsured deposits | 24.9% | 8.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Altamaha Bank & Trust Company has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Altamaha Bank & Trust Company leads on 3 and Vidalia Federal Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.