Independent Banker - November 2023 - 69

The community bank's
official groundbreaking
ceremony in June 2022.
shareholders, opening for business
about a year later. " Some days it
feels like it's been a real whirlwind, "
Lott says. " It's been a very
rewarding process. "
Moultrie Bank & Trust came to
be when its group of 12 founding
directors wanted to fill the gap
left by a few long-standing
community banks that moved their
charter to Atlanta to serve a more
metro market.
" We needed a community bank,
so the directors sat down and began
having conversations about opening
a new bank back in 2020, " Lott
says. " One person talked to another,
and they all felt very strongly
about coming together to build a
community bank that represented
who we are here in Moultrie and
Colquitt Counties. "
Moultrie Bank & Trust was well
received not only by customers
within its primary market of
Colquitt County, but also in the six
surrounding counties.
" Customers felt like they were
getting the runaround [from larger
banks] because they would call and
nobody that was physically sitting
here in Moultrie answered the
phone, " says Lott. " And the people
working in the branches either
couldn't answer those customers'
questions or didn't have the
authority to do so. "
Freeing up time
According to Lott, these large banks
couldn't develop strong lending
relationships because banking
processes were being " bogged down
in the corporate grind. " For example,
customers were forced to navigate
various corporate levels of approval,
and no one in the region was able to
make lending decisions.
Processes that would normally
take days or weeks were taking 60
" The deposits aren't
used to fund loans
in metro Atlanta,
another state or
several states away.
We're looking after
the priorities here,
growing our economy
here and taking
care of our own. "
-DONNA S. LOTT,
MOULTRIE BANK & TRUST
independentbanker.org // 69

http://www.independentbanker.org

Independent Banker - November 2023

Table of Contents for the Digital Edition of Independent Banker - November 2023

Contents
Independent Banker - November 2023 - Intro
Independent Banker - November 2023 - Cover1
Independent Banker - November 2023 - Cover2
Independent Banker - November 2023 - Contents
Independent Banker - November 2023 - 2
Independent Banker - November 2023 - 3
Independent Banker - November 2023 - 4
Independent Banker - November 2023 - 5
Independent Banker - November 2023 - 6
Independent Banker - November 2023 - 7
Independent Banker - November 2023 - 8
Independent Banker - November 2023 - 9
Independent Banker - November 2023 - 10
Independent Banker - November 2023 - 11
Independent Banker - November 2023 - 12
Independent Banker - November 2023 - 13
Independent Banker - November 2023 - 14
Independent Banker - November 2023 - 15
Independent Banker - November 2023 - 16
Independent Banker - November 2023 - 17
Independent Banker - November 2023 - 18
Independent Banker - November 2023 - 19
Independent Banker - November 2023 - 20
Independent Banker - November 2023 - 21
Independent Banker - November 2023 - 22
Independent Banker - November 2023 - 23
Independent Banker - November 2023 - 24
Independent Banker - November 2023 - 25
Independent Banker - November 2023 - 26
Independent Banker - November 2023 - 27
Independent Banker - November 2023 - 28
Independent Banker - November 2023 - 29
Independent Banker - November 2023 - 30
Independent Banker - November 2023 - 31
Independent Banker - November 2023 - 32
Independent Banker - November 2023 - 33
Independent Banker - November 2023 - 34
Independent Banker - November 2023 - 35
Independent Banker - November 2023 - 36
Independent Banker - November 2023 - 37
Independent Banker - November 2023 - 38
Independent Banker - November 2023 - 39
Independent Banker - November 2023 - 40
Independent Banker - November 2023 - 41
Independent Banker - November 2023 - 42
Independent Banker - November 2023 - 43
Independent Banker - November 2023 - 44
Independent Banker - November 2023 - 45
Independent Banker - November 2023 - 46
Independent Banker - November 2023 - 47
Independent Banker - November 2023 - 48
Independent Banker - November 2023 - 49
Independent Banker - November 2023 - 50
Independent Banker - November 2023 - 51
Independent Banker - November 2023 - 52
Independent Banker - November 2023 - 53
Independent Banker - November 2023 - 54
Independent Banker - November 2023 - 55
Independent Banker - November 2023 - 56
Independent Banker - November 2023 - 57
Independent Banker - November 2023 - 58
Independent Banker - November 2023 - 59
Independent Banker - November 2023 - 60
Independent Banker - November 2023 - 61
Independent Banker - November 2023 - 62
Independent Banker - November 2023 - 63
Independent Banker - November 2023 - 64
Independent Banker - November 2023 - 65
Independent Banker - November 2023 - 66
Independent Banker - November 2023 - 67
Independent Banker - November 2023 - 68
Independent Banker - November 2023 - 69
Independent Banker - November 2023 - 70
Independent Banker - November 2023 - 71
Independent Banker - November 2023 - 72
Independent Banker - November 2023 - 73
Independent Banker - November 2023 - 74
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Independent Banker - November 2023 - 78
Independent Banker - November 2023 - 79
Independent Banker - November 2023 - 80
Independent Banker - November 2023 - Cover3
Independent Banker - November 2023 - Cover4
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