Moultrie Bank & Trust: how it compares with its peers
Against 49 GA banks with half to twice its assets, Moultrie Bank & Trust's strongest measure in Q2 2026 is assets per employee ($10.0M vs. a $6.4M peer median). Its weakest relative measure is return on assets (0.99% vs. 1.51%).
| Measure | Moultrie Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.99% | 1.51% | Bottom third Ahead of 27% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.85% | 4.36% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.25% | 61.42% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $6.4M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 56.58% | 70.12% | Context |
What it means for lending operations
Its efficiency ratio of 60.25% is better than the 61.42% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Farmers Bank Greensboro, GA · $148M
- The Merchants & Citizens Bank Mcrae, GA · $146M
- Farmers State Bank Dublin, GA · $156M
- Bank of Monticello Monticello, GA · $158M
- Bank of Dawson Dawson, GA · $160M
Questions about Moultrie Bank & Trust
How big is Moultrie Bank & Trust?
Moultrie Bank & Trust, established in 2022, is headquartered in Moultrie, GA. It reported $151M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Moultrie Bank & Trust's return on assets?
0.99% annualized in Q2 2026, against a 1.51% median for 49 GA banks with half to twice its assets, ahead of 27% of them.
What is Moultrie Bank & Trust's efficiency ratio?
60.25% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 61.42%, and lower is better.
Is Moultrie Bank & Trust growing its loans?
Net loans grew 87.6% over the year to Q2 2026, while deposits grew 2.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.