MOULTRIE BANK & TRUST

MOULTRIE, GA | Small | Est. May 9, 2022, midnight | FDIC #59285 | RSSD #5686324 | FDIC
Latest Report: 2025-12-31

MOULTRIE BANK & TRUST is asn small FDIC-insured commercial bank headquartered in MOULTRIE, GA, established in May 9, 2022, midnight. As of 2025-12-31, the bank reported total assets of $175M and total deposits of $154M. Profitability stands at 1.16% ROA and 9.18% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 12.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.14%. FDIC Certificate #59285.

Assets

$175M

Deposits

$154M

Loans

$57M

Equity

$21M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 9.18%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.40%
Cost of Funds 1.73%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.14%
NPA Ratio 0.02%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 12.08%
Tier 1 Capital 12.08%
Total Capital Ratio 12.68%
Leverage Ratio 13.12%
Loan-to-Deposit 37.16%

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