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Moultrie Bank & Trust
Moultrie, GA · FDIC Certificate #59285 · Chartered 05/0
Total assets
$150.57M
Total deposits
$128.64M
Total equity
$21.63M
Net loans
$72.79M
Branches (offices)
1
Net income (YTD)
$800.00K
Rank: #3,306 of 4,213 U.S. banks by assets · #102 of 123 in Georgia. Assets changed 3.4% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.99% |
| Return on equity | 7.49% |
| Net interest margin (YTD) | 3.85% |
| Equity to assets | 14.37% |
| Tier 1 leverage ratio | 14.07% |
| Uninsured deposits (share of deposits) | 51.1% |
| Noncurrent loans (share of loans) | 0.10% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 56.6% |
| Real estate loans (share of loans) | 87.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $63.34M | 87.0% | |
| Commercial & industrial | $2.27M | 3.1% | |
| Consumer / individual | $494.00K | 0.7% | |
| Construction & development | $7.17M | 9.8% | |
| Agricultural | $7.58M | 10.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $25.55M | $5.49M | -$1.79M | $20.05M |
| Jun 2023 | $86.77M | $67.69M | -$153.00K | $18.99M |
| Jun 2024 | $102.48M | $83.28M | -$466.00K | $19.00M |
| Jun 2025 | $145.57M | $125.48M | $151.00K | $19.87M |
| Jun 2026 | $150.57M | $128.64M | $800.00K | $21.63M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $128.64M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $128.64M.
Similar-sized banks
Increase Bank ($150.65M) · Farmers State Bank ($150.49M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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