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
Unfavorable gap of $3.4M · efficiency ratio beats 51% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.94% | 1.46% | 1.76% | Beats 27% | 43 / 59 | |
| Return on Equity | 7.40% | 7.92% | 11.60% | 15.10% | Beats 19% | 48 / 59 | |
| Net Interest Margin | 3.80% | 3.66% | 4.24% | 4.75% | Beats 29% | 42 / 59 | |
| Efficiency Ratio | 60.25% | 51.87% | 60.25% | 70.24% | Beats 51% | 30 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.10% | 0.36% | 0.89% | Beats 76% | 15 / 58 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 10 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 14.07% | 11.93% | 15.65% | 21.05% | Beats 39% | 36 / 59 | |
| Total Risk-Based Capital Ratio | 14.07% | 12.05% | 15.77% | 22.26% | Beats 36% | 38 / 59 | |
| Equity / Assets | 14.37% | 9.10% | 11.51% | 14.32% | Beats 76% | 14 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 57.28% | 59.62% | 72.81% | 85.44% | 21st pctl | 46 / 58 | |
| Loans / Assets | 48.94% | 49.55% | 64.39% | 73.73% | 20th pctl | 47 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |