BlastPoint's Banking Scorecard
Moultrie Bank & Trust
Moultrie, GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
- Deposits +2.5% year over year ($128.6M on the books).
- Delinquency rate 0.10%.
- Return on assets 0.99%.
- Efficiency ratio 60.25% vs a 64.48% peer average.
- Loan-to-deposit ratio 56.58% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Moultrie Bank & Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.23% below tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.5% in tier
- - ROA 0.33% below tier average
- - Net Interest Margin 0.14% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$150.6M
+3.4% YoY
-4.4% QoQ
|
-$236.0M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.1% in tier |
| Total Loans ? |
$72.8M
+87.6% YoY
+23.7% QoQ
|
-$185.6M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.9% in tier |
| Total Deposits ? |
$128.6M
+2.5% YoY
-5.4% QoQ
|
-$198.1M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
15% |
| Return on Assets ? |
0.99%
+346.4% YoY
-26.3% QoQ
|
-0.33% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
3.85%
+11.7% YoY
+7.0% QoQ
|
-0.14% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
60.25%
-27.4% YoY
-1.1% QoQ
|
-4.23% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
0.10%
+224.3% YoY
+96.7% QoQ
|
-0.82% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
56.58%
+83.0% YoY
+30.8% QoQ
|
-21.37% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 13.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.15%
-12.4% YoY
-16.4% QoQ
|
-2.88% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.05%
+488.1% YoY
+154.6% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
14.07%
-3.5% YoY
+5.4% QoQ
|
-1.83% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.09%
+28.0% YoY
+131.6% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
15% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.2%
-2.7pp YoY -3.8pp QoQ |
-3.0pp | 22.1% | 26.2% | 22.2% | 41% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.1%
-3.3pp YoY 0.0pp QoQ |
-8.4pp | 11.6% | 9.7% | 12.5% | 10% |
| CRE | n/a | n/a | 39.5% | 48.9% | 41.4% | n/a |
| 1-4 Family |
7.4%
+2.1pp YoY -0.3pp QoQ |
-25.2pp | 32.6% | 31.7% | 31.3% | 8% |
| Consumer |
0.7%
-0.3pp YoY +0.1pp QoQ |
-3.4pp | 4.1% | 4.8% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
14.1%
-0.5pp YoY +0.7pp QoQ |
+1.9pp | 12.2% | 14.0% | 12.6% | 82% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
+1 (+7.1%) YoY -1 (-6.2%) QoQ |
-44 | 58 | 98 | 482 | 4% |
| Assets per Employee ($) |
$10.0M
-3.5% YoY +1.9% QoQ |
+$2.5M | $7.5M | $7.5M | $8.8M | 86% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 18% |
| Allowance Coverage |
12.33x
-69.0% YoY -47.0% QoQ |
-11.82x | 24.15x | 38.10x | 20.23x | 84% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 14% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.5%
+5.9pp YoY -3.1pp QoQ |
-4.7pp | 12.2% | 13.6% | 11.6% | 23% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY +0.1pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 31% |
| Net Income ($, YTD) |
$800,000
+429.8% YoY — QoQ |
-$1.8M | $2.6M | $6.6M | $40.4M | 20% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.