Moultrie Bank & Trust: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 17.94 percentage points in Q2 2026, from 52.92% to 70.86%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Moultrie Bank & Trust is 101st of 122 on loan-to-deposit ratio, 57.28% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Moultrie Bank & Trust sits 23.66 points lower, at 57.28% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $31.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $69.3M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 1.56% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.28% |
| Net loans and leases to deposits | 56.58% |
| Loans and leases to core deposits | 70.86% |
| Core deposits to total deposits | 80.84% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 28.86% | 84.92% | $0 | $0 |
| Q4 2023 | 25.00% | 83.26% | $0 | $0 |
| Q1 2024 | 21.57% | 76.87% | $0 | $0 |
| Q2 2024 | 22.65% | 79.52% | $0 | $0 |
| Q3 2024 | 22.32% | 81.62% | $0 | $0 |
| Q4 2024 | 18.53% | 87.79% | $0 | $0 |
| Q1 2025 | 24.16% | 86.21% | $0 | $0 |
| Q2 2025 | 31.30% | 85.58% | $0 | $0 |
| Q3 2025 | 34.56% | 85.00% | $0 | $0 |
| Q4 2025 | 37.16% | 87.07% | $0 | $0 |
| Q1 2026 | 43.77% | 82.72% | $0 | $0 |
| Q2 2026 | 57.28% | 80.84% | $0 | $0 |
Moultrie Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Moultrie Bank & Trust, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Moultrie Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59285) · FFIEC NIC profile (RSSD 5686324)