BanksMACON BANK AND TRUST COMPANY

MACON BANK AND TRUST COMPANY

LAFAYETTE, TNMediumEst. July 1, 1919, midnightFDIC #6091RSSD #709639FDIC
Latest · 2025-12-31

MACON BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 7.58%. NPL ratio: 0.01% · Texas Ratio: 0.05%. Operates 7 domestic branches.

Assets
$772M
Deposits
$706M
Loans
$480M
Equity
$59M

Profitability

Return on Assets (ROA)1.21%
Return on Equity (ROE)15.95%
Net Interest Margin3.57%
Yield on Assets6.12%
Cost of Funds2.57%

Asset Quality

NPL Ratio0.01%
Net Charge-Off Ratio0.02%
Texas Ratio0.05%
NPA Ratio0.00%
ACL / Loans0.90%

Capital & Liquidity

CET1 Ratio7.58%
Tier 1 Capital7.58%
Total Capital Ratio7.95%
Leverage Ratio10.20%
Loan-to-Deposit68.00%

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