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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