Moultrie Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 1093.79 percentage points in Q2 2026, from 2326.67% to 1232.88%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Moultrie Bank & Trust is 12th from the bottom among 121 Georgia banks, 0.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Moultrie Bank & Trust sits 0.62 points lower, at 0.62% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.07% |
| Equity capital to assets | 14.37% |
| Tangible equity to tangible assets | 14.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.32% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 1232.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.62% |
| Return on equity | 4.47% |
| Net interest margin | 4.16% |
| Efficiency ratio | 59.62% |
| Yield on earning assets | 5.65% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.28% |
| Core deposits to total deposits | 80.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.43% |
| Securities to assets | 25.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 23.21% | 0.14% | 3.73% | 0.00% | 0.00% |
| Q4 2023 | 25.81% | -0.66% | 3.51% | 0.00% | 0.00% |
| Q1 2024 | 22.09% | -0.40% | 3.52% | 0.00% | 0.00% |
| Q2 2024 | 20.18% | -1.61% | 3.38% | 0.00% | 0.00% |
| Q3 2024 | 18.65% | 0.21% | 3.84% | 0.00% | 0.00% |
| Q4 2024 | 17.31% | 0.17% | 3.56% | 0.00% | 0.00% |
| Q1 2025 | 16.46% | 0.26% | 3.52% | 0.04% | 0.00% |
| Q2 2025 | 14.58% | 0.22% | 3.82% | 0.03% | 0.03% |
| Q3 2025 | 13.26% | 1.16% | 3.74% | 0.03% | 0.00% |
| Q4 2025 | 13.12% | 1.19% | 3.75% | 0.05% | -0.01% |
| Q1 2026 | 13.36% | 1.40% | 3.74% | 0.05% | -0.01% |
| Q2 2026 | 14.07% | 0.62% | 4.16% | 0.10% | -0.01% |
Moultrie Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Moultrie Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)