BlastPoint's Banking Scorecard
Moultrie Bank & Trust
Moultrie, GA
Moultrie Bank & Trust has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 11.0% in tier
- + ROA 0.08% above tier average
- + Efficiency Ratio 4.36% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.4% in tier
- - Net Interest Margin 0.33% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$157.6M
+20.2% YoY
-9.9% QoQ
|
-$228.5M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$58.8M
+121.1% YoY
+4.3% QoQ
|
-$196.9M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.6% in tier |
| Total Deposits ? |
$136.0M
+22.0% YoY
-11.4% QoQ
|
-$192.0M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
1.35%
+479.4% YoY
+84.7% QoQ
|
+0.08% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
3.60%
+13.5% YoY
+0.4% QoQ
|
-0.33% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
60.92%
-28.6% YoY
-13.2% QoQ
|
-4.36% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
0.05%
+13.1% YoY
-4.2% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
43.26%
+81.2% YoY
+17.8% QoQ
|
-33.38% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Top 5.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.90%
+12.1% YoY
+14.5% QoQ
|
+0.88% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.02%
+108.0% YoY
+11.0% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
13.36%
-18.8% YoY
+1.8% QoQ
|
-2.47% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.04%
+8.0% YoY
-67.3% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.8% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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.