BlastPoint's Banking Scorecard
Moultrie Bank & Trust
Micro
Specialty: Agricultural
GA
FDIC cert 59285
Designations: ✓ Community bank
Moultrie, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Moultrie Bank & Trust shows strong momentum with 1 strength and 34.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 37.81% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$174.9M
+34.2% YoY
+12.6% QoQ
|
-$42.6M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$56.4M
+177.9% YoY
+22.7% QoQ
|
-$82.8M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$153.5M
+38.6% YoY
+14.1% QoQ
|
-$30.1M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.73%
+302.9% YoY
+28.5% QoQ
|
-0.35% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.58%
+3.9% YoY
+0.1% QoQ
|
-0.27% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
70.19%
-36.0% YoY
-5.9% QoQ
|
+2.47% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.05%
+103.7% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
36.72%
+100.6% YoY
+7.6% QoQ
|
-37.81% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.00%
-15.3% YoY
-16.5% QoQ
|
-2.39% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.02%
+122.0% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
+7.1% YoY
+17.8% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
36.72%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.72% · Tier avg: 74.53%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Total Deposits
Current: $153.5M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $174.9M · Tier avg: $217.5M
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.00% · Tier avg: 22.39%
39
39th pctile
Efficiency Ratio
Current: 70.19% · Tier avg: 67.73%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
23
23th pctile
Total Loans
Current: $56.4M · Tier avg: $139.2M
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
23
23th pctile
Total Loans
Current: $56.4M · Tier avg: $139.2M
30
30th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
39
39th pctile
Efficiency Ratio
Current: 70.19% · Tier avg: 67.73%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.00% · Tier avg: 22.39%
45
45th pctile
Total Assets
Current: $174.9M · Tier avg: $217.5M
46
46th pctile
Total Deposits
Current: $153.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.72% · Tier avg: 74.53%