Moultrie Bank & Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 0.42 percentage points higher than in Q1 2026, at 4.16%. Moultrie Bank & Trust ranks 79th of 121 Georgia banks on net interest margin, in the lower half at 4.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Moultrie Bank & Trust sits 0.21 points higher, at 4.16% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.65% |
| Yield on loans | 7.54% |
| Yield on securities | 4.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $542K |
| Interest expense on deposits | $542K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.14% | 1.70% | 3.73% | 7.16% | 4.60% |
| Q4 2023 | 5.15% | 1.98% | 3.51% | 7.26% | 4.52% |
| Q1 2024 | 5.50% | 2.09% | 3.52% | 7.80% | 4.37% |
| Q2 2024 | 5.39% | 2.23% | 3.38% | 7.85% | 4.45% |
| Q3 2024 | 5.90% | 2.26% | 3.84% | 8.65% | 4.77% |
| Q4 2024 | 5.52% | 2.08% | 3.56% | 9.17% | 4.52% |
| Q1 2025 | 5.22% | 1.82% | 3.52% | 8.48% | 4.54% |
| Q2 2025 | 5.54% | 1.90% | 3.82% | 8.62% | 4.71% |
| Q3 2025 | 5.46% | 1.88% | 3.74% | 8.12% | 4.53% |
| Q4 2025 | 5.39% | 1.79% | 3.75% | 8.13% | 4.27% |
| Q1 2026 | 5.16% | 1.56% | 3.74% | 7.64% | 3.92% |
| Q2 2026 | 5.65% | 1.67% | 4.16% | 7.54% | 4.03% |
Moultrie Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Moultrie Bank & Trust, freeSource: Call Report Schedules RI and RC-K, 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)