MACON BANK AND TRUST COMPANY

LAFAYETTE, TN | Medium | Est. July 1, 1919, midnight | FDIC #6091 | RSSD #709639 | FDIC
Latest Report: 2025-12-31

MACON BANK AND TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in LAFAYETTE, TN, established in July 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $772M and total deposits of $706M. Profitability stands at 1.21% ROA and 15.95% ROE, with a net interest margin of 3.57%. The bank's CET1 capital ratio is 7.52%. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.05%. FDIC Certificate #6091.

Assets

$772M

Deposits

$706M

Loans

$480M

Equity

$59M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 15.95%
Net Interest Margin (NIM) 3.57%
Yield on Assets 6.12%
Cost of Funds 2.57%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.05%
NPA Ratio 0.00%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 7.52%
Tier 1 Capital 7.52%
Total Capital Ratio 7.89%
Leverage Ratio 10.20%
Loan-to-Deposit 68.00%

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