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Moultrie Bank & Trust

Moultrie, GA · Cert 59285

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Moultrie Bank & Trust

Moultrie, GA · Cert 59285

State charter, non-member · FDIC · 1 branch

Q2 2026

$150.6MAssets
$73.7MLoans
$128.6MDeposits
$21.6MEquity
Loan mix
96%RE $51.5M3%C&I $1.9M1%Consumer $0.3MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $104.0M19%Noninterest $24.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.99%, up 77 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.10% of loans (+7 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 14.07%, down 51 bps from a year ago.
  • Funding: loans stand at 57.28% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.99%+77 bps YoY

Net Interest Margin (YTD, annualized)

3.80%+60 bps YoY

Efficiency Ratio (YTD, annualized)

60.25%-2,275 bps YoY

Tier 1 Leverage Ratio

14.07%-51 bps YoY

NIM

4.63%Q2 ’244.70%Q2 ’255.21%Q2 ’26+10%+19%

Non-interest income vs. expense

3.98%Q2 ’242.79%Q2 ’252.40%Q2 ’26-32%-16%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.58%-0.36%0.23%0.22%0.57%0.73%1.35%0.99%+77 bps
Return on Equity-2.88%-1.91%1.57%1.55%4.04%5.37%10.55%7.49%+594 bps
Net Interest Margin2.92%2.84%3.27%3.21%3.06%3.08%3.54%3.80%+60 bps
Efficiency Ratio116.54%109.75%85.29%83.00%74.63%70.19%60.92%60.25%-2,275 bps
Non-Interest Burden3.43%3.13%2.76%2.64%2.25%2.13%2.10%2.22%-42 bps
Growth
Asset Growth (YoY)36.61%56.25%43.93%42.05%52.95%34.20%20.18%3.43%-3,861 bps
Loan Growth (YoY)15.13%28.76%73.90%108.27%153.78%177.97%121.10%87.59%-2,067 bps
Deposit Growth (YoY)48.82%73.78%55.23%50.68%63.93%38.57%22.03%2.51%-4,817 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.04%0.03%0.03%0.05%0.05%0.10%+7 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.01%0.00%-0.01%-0.01%-2 bps
Allowance / Loans1.20%1.18%1.17%1.21%1.21%1.20%1.17%1.22%+1 bps
Allowance Coverage of NPLsn/an/a26.3x39.8x46.9x22.7x23.3x12.3x-27.4x
Capital
Tier 1 Leverage Ratio18.65%17.31%16.46%14.58%13.26%13.12%13.36%14.07%-51 bps
Total Risk-Based Capital18.65%17.31%16.46%14.58%13.26%13.12%13.36%14.07%-51 bps
Equity / Assets18.93%14.78%14.84%13.65%13.18%12.08%13.54%14.37%+72 bps
Liquidity & Funding
Loans / Deposits22.32%18.53%24.16%31.30%34.56%37.16%43.77%57.28%+2,598 bps
Liquid Assets / Assets55.92%56.66%54.05%46.51%39.66%37.19%28.89%18.65%-2,786 bps
CRE / Total Capitaln/an/an/an/a116.58%144.80%158.43%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Moultrie Bank & Trust

Moultrie, GA · Cert 59285 · Peer group: banks under $1B in assets in GA (n=58-59)

State charter, non-member · FDIC · 1 branch

Q2 2026

$150.6MAssets
$73.7MLoans
$128.6MDeposits
$21.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in GA (rank 10 of 58).
  • Widest gap: return on equity trails 81% of banks under $1B in assets in GA (rank 48 of 59).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.06%

Rank 43 of 59

Net Interest Margin

3.80%

Rank 42 of 59

Efficiency Ratio

60.25%

Rank 30 of 59

Equity / Assets

14.37%

Rank 14 of 59

Non-interest income vs. expense

$0.3M$3.7MINCOMEEXPENSE
Unfavorable gap of $3.4M · efficiency ratio beats 51% of banks under $1B in assets in GA
Bank 60.25%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.06%0.94%1.46%1.76%Beats 27%43 / 59
Return on Equity7.40%7.92%11.60%15.10%Beats 19%48 / 59
Net Interest Margin3.80%3.66%4.24%4.75%Beats 29%42 / 59
Efficiency Ratio60.25%51.87%60.25%70.24%Beats 51%30 / 59
Asset Quality
Nonperforming Loans / Loans0.10%0.10%0.36%0.89%Beats 76%15 / 58
Net Charge-Offs / Loans0.00%0.00%0.02%0.05%Beats 100%10 / 58
Capital
Tier 1 Capital Ratio14.07%11.93%15.65%21.05%Beats 39%36 / 59
Total Risk-Based Capital Ratio14.07%12.05%15.77%22.26%Beats 36%38 / 59
Equity / Assets14.37%9.10%11.51%14.32%Beats 76%14 / 59
Liquidity & Funding
Loans / Deposits57.28%59.62%72.81%85.44%21st pctl46 / 58
Loans / Assets48.94%49.55%64.39%73.73%20th pctl47 / 59
Brokered Deposits / Depositsn/aNot reported for this institution