| Metric | Moultrie Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.4 pts |
| Loan growth (YoY) | +87.6% | +5.6% | +82.0 pts |
| ROA | 0.99% | 1.24% | -0.2 pts |
| ROE | 7.5% | 11.9% | -4.4 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $150.6M | $128.6M | $72.8M | $21.6M | $800K | 0.99% | 3.85% | 0.05% |
| Q1 2026 | $157.6M | $136.0M | $58.8M | $21.3M | $560K | 1.35% | 3.60% | 0.02% |
| Q4 2025 | $174.9M | $153.5M | $56.4M | $21.1M | $1.1M | 0.73% | 3.58% | 0.02% |
| Q3 2025 | $155.3M | $134.6M | $45.9M | $20.5M | $599K | 0.57% | 3.58% | 0.01% |
| Q2 2025 | $145.6M | $125.5M | $38.8M | $19.9M | $151K | 0.22% | 3.45% | 0.01% |
| Q1 2025 | $131.1M | $111.4M | $26.6M | $19.5M | $76K | 0.23% | 3.17% | 0.01% |
| Q4 2024 | $130.3M | $110.8M | $20.3M | $19.3M | $-366K | -0.36% | 3.45% | 0.00% |
| Q3 2024 | $101.5M | $82.1M | $18.1M | $19.2M | $-413K | -0.58% | 3.59% | 0.00% |
Loan mix (Q2 2026): real estate $63.3M · commercial $2.3M · consumer $494K · securities $38.3M
| Ratio | Moultrie Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 62.9% | 42th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Moultrie Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Moultrie Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Moultrie Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Moultrie Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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