TellerScore

Moultrie Bank & Trust (FDIC certificate #59285) is based in Moultrie, Georgia. Its Q2 2026 call report shows $150.6M in total assets and $128.6M in deposits and 1 office.

Moultrie Bank & Trust has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 35th. Problem-loan coverage contributes the most (99/100, 0.3%); funding & liquidity contributes the least (60/100, 57% loans-to-deposits, 51% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion91/100
Tier 1 leverage ratio: 14.07%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 56.6% · 51.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.32%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (78 → 82), mostly because the earnings component improved by 31 points.

TellerScore
737883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202474
Q1 202579
Q2 202578
Q3 202577
Q4 202576
Q1 202683
Q2 202682
Tier 1 leverage ratio
5.00%12.59%20.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202420.18%
Q3 202418.65%
Q4 202417.31%
Q1 202516.46%
Q2 202514.58%
Q3 202513.26%
Q4 202513.12%
Q1 202613.36%
Q2 202614.07%
Noncurrent loans
0.00%0.05%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.04%
Q2 20250.03%
Q3 20250.03%
Q4 20250.05%
Q1 20260.05%
Q2 20260.10%
Return on assets
-1.01%0.17%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.01%
Q3 2024-0.58%
Q4 2024-0.36%
Q1 20250.23%
Q2 20250.22%
Q3 20250.57%
Q4 20250.73%
Q1 20261.35%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$150.6M14.07%0.10%0.99%56.6%
Q1 202683$157.6M13.36%0.05%1.35%43.3%
Q4 202576$174.9M13.12%0.05%0.73%36.7%
Q3 202577$155.3M13.26%0.03%0.57%34.1%
Q2 202578$145.6M14.58%0.03%0.22%30.9%
Q1 202579$131.1M16.46%0.04%0.23%23.9%
Q4 202474$130.3M17.31%0.00%-0.36%18.3%
Q3 202474$101.5M18.65%0.00%-0.58%22.1%
Q2 202473$102.5M20.18%0.00%-1.01%22.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.07%
82nd
Total risk-based capital0.00%
24th
Problem loans0.10%
74th
Net charge-offs-0.01%
88th
Return on assets0.99%
33rd
Net interest margin3.85%
45th
Efficiency ratio60.2%
56th
Loans to deposits56.6%
86th
Uninsured deposits51.1%
4th
Loan-loss reserves1.22%
53rd
Texas ratio0.3%
80th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers BankBank Greensboro, GA77 out of 100, Strong$148.3M11.2%0.05%vs
The Merchants & Citizens BankBank Mcrae, GA79 out of 100, Strong$146.0M13.2%0.36%vs
Farmers State BankBank Dublin, GA90 out of 100, Very strong$156.2M13.9%0.28%vs
Bank of MonticelloBank Monticello, GA83 out of 100, Strong$158.0M14.5%1.06%vs
Bank of DawsonBank Dawson, GA94 out of 100, Very strong$159.9M18.2%0.22%vs
West Central Georgia BankBank Thomaston, GA97 out of 100, Very strong$160.4M22.2%0.04%vs

Deposit insurance

Is my money safe at Moultrie Bank & Trust?

Yes. Moultrie Bank & Trust is an FDIC-insured institution (FDIC certificate #59285). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 51.1% of deposits ($65.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Moultrie Bank & Trust lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Moultrie Bank & Trust
Type
State-chartered bank
FDIC certificate #
59285
RSSD ID
5686324
Primary regulator
FDIC
Established
May 9, 2022
Headquarters
600 Veterans Parkway North, Moultrie, GA 31788
Employees
15

Quick answers

Moultrie Bank & Trust: common questions

Is Moultrie Bank & Trust FDIC insured?

Yes. Moultrie Bank & Trust is an FDIC-insured institution (FDIC certificate #59285). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Moultrie Bank & Trust's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Moultrie Bank & Trust ever failed?

There is no failure record for FDIC certificate #59285 in the FDIC failed bank list.

How many branches does Moultrie Bank & Trust have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Moultrie

InstitutionScoreAssetsCapitalProblem loansCompare
Colquitt County Teacher Federal Credit UnionCredit union Moultrie, GA95 out of 100, Very strong$10.3M23.6%0.12%vs
The Trust BankBank Lenox, GA86 out of 100, Very strong$47.0M16.2%1.36%vs
South Georgia Banking CompanyBank Omega, GA85 out of 100, Very strong$570.1M13.9%0.55%vs
Commercial Banking CompanyBank Valdosta, GA79 out of 100, Strong$409.5M10.3%0.04%vs
Southeastern Credit UnionCredit union Valdosta, GA73 out of 100, Strong$440.7M10.8%0.41%vs
Bank of AlapahaBank Alapaha, GA69 out of 100, Moderate$251.0M10.2%0.34%vs