$158M
+20.2%y/y
Percentile by value38th percentileby value
FDIC
ASSETMB
Moultrie Bank & Trust
Moultrie, GeorgiaFDIC Cert #59285
STATEEstablished 20221 branch
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportMoultrie Bank & Trust reported $158M in total assets. Deposits grew 22.03% over the prior year.
Return on assets was 1.35%, compared with the official FFIEC UBPR peer median of 0.34%. The leverage ratio was 13.36%.
- Why is Net Loan Growth, Year over Year above its official FFIEC UBPR peers?
- Why is Return on Assets above its official FFIEC UBPR peers?
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$136M
+22.0%y/y
Percentile by value38th percentileby value
FDIC
DEP$58.8M
+121.1%y/y
Percentile by value8th percentileby value
FDIC
LNLSNET1.35%
+111 bpsy/y
Peer standing85th percentile
FDIC
NETINC + ROA60.92%
−2,437 bpsy/y
Peer standing77th percentile
FDIC
NONIX + NIM + NONII + EEFFR13.36%
−310 bpsy/y
Peer standing69th percentile
FDIC
RBC1AAJPercentiles compare this bank with 14 ffiec ubpr peer group 2022 — denovo banks opened in 2022 having assets less than $750 million.
Side-by-side comparison
Moultrie Bank & Trust beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.35%
Registry median
0.34%
This bank
10.55%
FFIEC trimmed average
0.54%
This bank
3.60%
Registry median
4.05%
This bank
60.92%
Registry median
82.52%
This bank
+22.03%
FFIEC trimmed average
+44.64%
This bank
+121.08%
FFIEC trimmed average
+45.02%
This bank
0.05%
FFIEC trimmed average
0.56%
This bank
13.36%
FFIEC trimmed average
14.86%
This bank
2.05%
Registry median
3.47%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.35%
Registry median
1.53%
This bank
10.55%
FFIEC trimmed average
13.30%
This bank
3.60%
Registry median
4.41%
This bank
60.92%
Registry median
58.97%
This bank
+22.03%
FFIEC trimmed average
+6.97%
This bank
+121.08%
FFIEC trimmed average
+9.60%
This bank
0.05%
FFIEC trimmed average
0.62%
This bank
13.36%
FFIEC trimmed average
11.63%
This bank
2.05%
Registry median
2.30%
This bank
Registry median
174%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2022 | $25.5M | $5.49M |
| Q3 2022 | $49.3M | $29.9M |
| Q4 2022 | $57.7M | $38.6M |
| Q1 2023 | $67.8M | $48.5M |
| Q2 2023 | $86.8M | $67.7M |
| Q3 2023 | $74.3M | $55.2M |
| Q4 2023 | $83.4M | $63.8M |
| Q1 2024 | $91.1M | $71.8M |
| Q2 2024 | $102M | $83.3M |
| Q3 2024 | $102M | $82.1M |
| Q4 2024 | $130M | $111M |
| Q1 2025 | $131M | $111M |
| Q2 2025 | $146M | $125M |
| Q3 2025 | $155M | $135M |
| Q4 2025 | $175M | $154M |
| Q1 2026 | $158M | $136M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $28M |
| Investor CRE | $361K |
| Multifamily | $0 |
| Construction | $5.46M |
| 1–4 family | $4.54M |
| C&I | $1.86M |
| Agriculture | $19M |
| Other | $325K |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.35%85th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.89%Median 0.34%90th 1.63%Observations 14
ROE
FDIC
NETINC + ROE10.55%86th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −8.72%Median 2.66%90th 10.00%Observations 14
NIM
FDIC
NIM + NIMY3.60%31st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.29%Median 4.05%90th 4.55%Observations 14
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR60.92%77th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 52.94%Median 82.52%90th 111.14%Observations 14
Deposits YoY
FDIC
DEP+22.03%33rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th +5.38%Median +38.89%90th +94.11%Observations 14
Loans YoY
FDIC
LNLSNET+121.08%92nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +14.54%Median +41.96%90th +76.42%Observations 13
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.05%57th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.00%90th 1.84%Observations 13
Leverage
FDIC
RBC1AAJ13.36%66th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.36%Median 12.80%90th 22.62%Observations 14
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.05%92nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.22%Median 3.47%90th 3.99%Observations 14
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.35%38th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.37%Median 1.53%90th 2.37%Observations 121
ROE
FDIC
NETINC + ROE10.55%32nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.45%Median 14.42%90th 21.57%Observations 121
NIM
FDIC
NIM + NIMY3.60%18th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.42%Median 4.41%90th 5.42%Observations 121
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR60.92%42nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.68%Median 58.97%90th 83.94%Observations 121
Deposits YoY
FDIC
DEP+22.03%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.02%Median +5.41%90th +20.00%Observations 121
Loans YoY
FDIC
LNLSNET+121.08%98th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.40%Median +8.97%90th +25.08%Observations 120
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.05%16th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.03%Median 0.43%90th 2.10%Observations 120
Leverage
FDIC
RBC1AAJ13.36%75th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.20%Median 11.04%90th 15.61%Observations 121
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.05%63rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.28%Median 2.30%90th 3.10%Observations 121
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 43%Median 174%90th 269%Observations 80
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Moultrie, GA
FDIC
OFFDOMOpen the Georgia dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data