Moultrie Bank & Trust

What Moultrie Bank & Trust does

Moultrie Bank & Trust is a privately held, FDIC-insured community bank headquartered at 600 Veterans Parkway North in Moultrie, Georgia. The bank operates from a single physical branch and serves personal, small-to-mid-size business, and agricultural customers in southwest Georgia. Its product set spans consumer and business deposit accounts (checking, savings, CDs, IRAs), personal and business lending (mortgages, HELOCs, commercial real estate and construction, equipment financing, operating lines), and agricultural lending tailored to farm operations. The institution also offers credit cards issued through TCM Bank, merchant card services through TIB Merchant Services, and a suite of cash management services including Remote Deposit, ACH origination, wire transfers, and Positive Pay.

The bank's digital channels run on the Jack Henry Digital/Banno platform, which underpins the MBT-GA mobile app for iOS and Android (with mobile check deposit) and a web-based online banking portal. Distribution is concentrated: one physical branch plus on-site ATM (English/Spanish) and digital self-service. Marketing is light-touch, relying on the website, a Facebook page, financial calculator tools, and fraud-education partnerships with the American Bankers Association. Customer acquisition is largely community-driven, with a "Switch Kit" to ease transitions from other institutions.

Revenue mechanics follow a standard community-bank model: net interest income on loans and securities, plus fee income from deposit accounts, treasury/cash management, card issuance (via TCM), and merchant services. Pricing on deposit products is publicly disclosed (e.g., Regular Checking $6/month below $500, Interest Bearing Checking $10/month below $2,500, Small Business Checking with no monthly fee); broader loan and fee pricing is not publicly disclosed. The bank was established through applications filed on July 7, 2021, and annual reports are available from 2022 through 2025, indicating an early-stage de novo franchise still building scale.

Name

Moultrie Bank & Trust

Legal name

Moultrie Bank & Trust

Website

https://mbtga.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Moultrie Bank & Trust is a privately held, FDIC-insured community bank headquartered in Moultrie, Georgia, operating one physical branch and a Jack Henry Digital/Banno-powered mobile and online platform. It serves individual consumers, small-to-mid-size businesses, agricultural borrowers, and commercial customers across southwest Georgia with deposits, ag and commercial lending, mortgages, treasury management, and TCM Bank-issued credit cards.

Ownership category

akta.pro rank

Headquarters

HQ city

Moultrie

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Pricing tiers

Distribution channels4 records

Marketing channels4 records

Core offering

Moultrie Bank & Trust is a community bank that provides retail and commercial deposit accounts, consumer and commercial loans, agricultural financing, residential mortgages, and credit cards, delivered through a single branch in Moultrie, Georgia and a digital banking platform (online and mobile banking) powered by Jack Henry Digital's Banno platform. Its offerings are oriented toward local consumers, small and mid-size businesses, and agribusinesses in southwest Georgia.

Product overview

Moultrie Bank & Trust is a community bank offering a comprehensive suite of banking products and services through its digital banking platform. The core offering includes MB&T Online Banking and the MBT-GA Mobile App for iOS and Android, which provide account management, fund transfers, bill pay, and mobile check deposit. The bank serves both personal and business customers with checking and savings accounts, CDs, IRAs, agricultural loans, mortgages, personal loans, and business lending. Additional services include Cash Management Services for businesses (Remote Deposit, ACH, wire transfers, Positive Pay), credit cards issued through TCM Bank, Financial Calculators for planning, and supplementary services like merchant card processing, safe deposit boxes, and night drop. The digital platform is built on Jack Henry Digital and Banno technology.

Differentiator

Problem solved

Functional benefit

Brands

• SaveUp: Savings program offered by Moultrie Bank & Trust for personal savings goals.

Products and services

• MB&T Online Banking Free online banking platform that lets customers manage money, move funds, view balances, pay bills, track account activity, and manage debit cards from any device. Targeted at personal banking customers.
• MBT-GA Mobile App Mobile banking application providing full online banking functionalities plus mobile check deposit, available on iOS and Android.
• Credit Cards Consumer and business credit card options including Rewards Platinum, Cash Rewards Platinum, and Business credit cards with VISA acceptance and EMV chip technology, issued through TCM Bank, N.A.
• Personal Accounts Personal banking accounts including Regular Checking, Interest Bearing Checking, Moultrie Savings, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs).
• Business Accounts Business banking accounts including Small Business Checking, Business Interest Checking, Commercial Analysis Checking, Moultrie Savings for Business, and Business Certificates of Deposit.
• Agricultural Lending Tailored financing solutions for farms and agribusinesses including operating lines of credit, equipment loans, farm real estate loans, and permanent fixtures financing.
• Mortgages Mortgage lending solutions including conventional and jumbo loans for home purchases and refinancing, offered through trained mortgage professionals.
• Personal Lending Personal loan products including residential mortgages, home equity lines of credit (HELOC), home construction loans, and residential lot loans.
• Business Lending Business loans including business lines of credit, commercial equipment financing, commercial construction loans, and commercial real estate financing.
• Cash Management Services Suite of business banking services including Remote Deposit Complete, ACH File Origination, wire transfers, and Positive Pay fraud protection.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• TCM Bank, N.A.coreChannel Partner/ Reseller/ DistributorTCM Bank issues credit cards for Moultrie Bank & Trust customers, both consumer and business. Provides VISA credit cards with contactless and EMV chip technology through a credit application process. TCM provides customer support through dedicated contact centers.
• Jack Henry Digital (Banno)coreTechnology or IntegrationJack Henry Digital, operating the Banno digital platform, provides the bank's website and online banking infrastructure. The website footer indicates the site was created by Jack Henry Digital.
• American Bankers Association (ABA)minorGTM or Marketing PartnerMB&T partners with ABA for fraud education through the 'Banks Never Ask That' campaign to educate customers on recognizing scams. Also partners for check fraud awareness and safe check practices education.

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Truist Financial: Top-five U.S. commercial bank with deep Southeast branch network formed from SunTrust and BB&T; competes for the same Moultrie-area retail and SMB relationships as MB&T while offering far broader product capabilities.
• Synovus Financial: Major regional bank headquartered in Columbus, GA operating across the Southeast with full commercial, retail, mortgage, and treasury management capabilities — competes with MB&T for the same Georgia SMB and consumer relationships at greater scale.
• Cadence Bank: Southeast-focused regional bank providing commercial banking, treasury management, and consumer products comparable to MB&T's offerings, including agribusiness lending exposure.
• United Community Banks: Georgia-headquartered community banking franchise with branches across the Southeast offering the same deposit, lending, and digital products as MB&T — overlaps directly in Georgia but at meaningfully larger scale.
• Ameris Bancorp: Atlanta, GA-headquartered community banking holding company with branches throughout the Southeast delivering deposit, mortgage, treasury, and small-business services comparable to MB&T's product set.

Direct peers

• Live Oak Bancshares: Digital-first community bank holding company focused on small-business lending and modern digital UX — closely parallels MB&T's combination of community footprint and Jack Henry Banno-based digital stack.
• Southwest Georgia Bank: Community bank serving southwest Georgia from Dodge County, with deposit and small-business lending offerings similar to MB&T's; operates in overlapping geography and customer base.
• Colony Bankcorp: Georgia-based community bank holding company headquartered in Fitzgerald, GA with comparable deposit-taking, commercial lending, and agricultural lending exposures across south and middle Georgia — directly comparable to MB&T's footprint and product mix.
• Pinnacle Financial Partners: Nashville, TN-based community bank emphasizing relationship-driven SMB and consumer banking with a regional footprint — comparable model to MB&T's local decision-making and full-service banking for small/mid-size businesses.
• Independent Bank Group: Texas-based community bank holding company offering consumer and commercial banking, mortgage, and treasury products in smaller-market geographies — directly comparable business model and product breadth to MB&T.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MoultrieBankandTrust

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moultrie Bank & Trust