Moultrie Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Moultrie Bank & Trust is an FDIC-insured commercial bank headquartered in Moultrie, GA, established in 2022 (FDIC certificate 59285), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $150.6M, up 3.4% from Q2 2025, the 101st largest of 121 banks headquartered in Georgia. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59285
- Headquarters
- Moultrie, GA
- Established
- 2022
- Total assets, Q2 2026
- $150.6M
- Assets vs Q2 2025
- +3.4%
- Tier 1 leverage ratio, Q2 2026
- 14.07%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061221491
- Latest call report
- Q2 2026, FFIEC 051 · Moultrie Bank & Trust call report
- Asset rank in state
- 101st of 121 in Georgia
Moultrie Bank & Trust, based in Moultrie, Georgia, reported $151 million in assets at June 30, 2026, up 3.4% from a year earlier. It grew its loan book 87.6% over the year, 16.0 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 4.5% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, Moultrie Bank & Trust reported a return on assets of 0.62%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.32%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, Moultrie Bank & Trust is the 101st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 4.4% to $150.6M, loans rose 23.8% and deposits fell 5.4%. Owner-occupied commercial real estate loans made up 47.9% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 20.9%. Its one office in the FDIC Summary of Deposits is in Moultrie, GA. By the capital ratios in its Q2 2026 call report, Moultrie Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 600 Veterans Parkway North, Moultrie, GA 31788
- County
- Colquitt
- Metro Area
- Moultrie, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 9, 2022
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $128.6M
- Allowance for credit losses
- $900K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $153.7M
- Average total loans
- $69.9M
- Average interest-bearing deposits
- $101.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 9, 2022
- FDIC Cert
- 59285
- Fed RSSD
- 5686324
- Website
- www.mbtga.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Moultrie Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Moultrie Bank & Trust's total assets ran between $74.3M (Q3 2023) and $174.9M (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$150.6M total assets against $145.6M; $128.9M total liabilities against $125.7M.
$72.8M net loans and leases against $38.8M; $128.6M total deposits against $125.5M.
$38.3M securities against $27.9M; $31.0M cash and balances due against $70.6M.
$2.1M total interest income against $1.8M; $542K total interest expense against $552K.
$1.5M net interest income against $1.2M.
$74K total noninterest income against $55K; $945K total noninterest expense against $1.0M.
$202K provision for credit losses against $165K.
$240K net income against $75K.
0.62% return on assets against 0.22%; 4.16% net interest margin against 3.82%.
14.07% tier 1 leverage ratio against 14.58%.
Inside the full Moultrie Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMoultrie Bank & Trust rankings
Its closest position to the top of a national ranking is 1,777 of 3,606, for efficiency ratio; its furthest is 3,112 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.17% (Q4 2024) to 1.40% (Q1 2026) and its net interest margin ran from 3.52% (Q1 2025) to 4.16% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.07% | 0.62% | 0.10% | 0.32% | 4.16% |
| Q1 2026 | 13.36% | 1.40% | 0.05% | 0.14% | 3.74% |
| Q4 2025 | 13.12% | 1.19% | 0.05% | 0.14% | 3.75% |
| Q3 2025 | 13.26% | 1.16% | 0.03% | 0.06% | 3.74% |
| Q2 2025 | 14.58% | 0.22% | 0.03% | 0.06% | 3.82% |
| Q1 2025 | 16.46% | 0.26% | 0.04% | 0.06% | 3.52% |
| Q4 2024 | 17.31% | 0.17% | 0.00% | 0.00% | 3.56% |
| Q3 2024 | 18.65% | 0.21% | 0.00% | 0.00% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Moultrie Bank & Trust (main office) | Moultrie , GA | 31788 | $128.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 138 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Moultrie Bank & Trust
What are Moultrie Bank & Trust's total assets?
As of the Q2 2026 filing, Moultrie Bank & Trust reported total assets of $150.6 million in its FFIEC call report.
Where is Moultrie Bank & Trust headquartered?
It is headquartered in Moultrie, GA, United States.
When was Moultrie Bank & Trust founded?
It was established in 2022, per the FDIC institution directory.
Is Moultrie Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59285). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Moultrie Bank & Trust?
Moultrie Bank & Trust's primary federal regulator is the FDIC.
How many branches does Moultrie Bank & Trust operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Moultrie Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.32% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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