Ma Bank
BankRegReports is independent of Ma Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Ma Bank is an FDIC-insured commercial bank headquartered in Macon, MO, established in 1893 (FDIC certificate 14695), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $417.3M, up 9.1% from Q2 2025, the 80th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14695
- Headquarters
- Macon, MO
- Established
- 1893
- Total assets, Q2 2026
- $417.3M
- Assets vs Q2 2025
- +9.1%
- Tier 1 leverage ratio, Q2 2026
- 9.54%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 081507014
- Holding company
- MACON-ATLANTA BANCORP, INC.
- Asset rank in state
- 80th of 191 in Missouri
Ma Bank, based in Macon, Missouri, reported $417 million in assets at June 30, 2026, up 9.1% from a year earlier. It grew its loan book 15.3% over the year, about triple the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.54% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 15.3% and deposits rose 7.3%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.96% of loans, down from 1.19% a year earlier. Its margin is thin by comparison: it keeps 3.38 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Ma Bank reported a return on assets of 1.01%, a nonperforming-loan ratio of 0.96% and a Texas ratio of 5.61%. The figures come from its call report filed with the FFIEC.
Ma Bank ranks as the 80th largest of the 191 banks based in Missouri, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $417.3M, loans rose 5.3% and deposits rose 0.2%. Farmland and other real estate loans made up 45.7% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 14.2%. Its 3 offices in the FDIC Summary of Deposits are in Macon, MO, Monroe City, MO and Kirksville, MO; its Macon office books 77% of its branch deposits. Judged on its Q2 2026 call report, Ma Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1513 N Missouri St, Macon, MO 63552
- County
- Macon
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1893
- Former names
- Macon - Atlanta State Bank (1935-2020)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $364.5M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $29K
- Average total assets
- $409.2M
- Average total loans
- $230.7M
- Average interest-bearing deposits
- $284.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 24, 1934
- FDIC Cert
- 14695
- Fed RSSD
- 34555
- Website
- www.mabank.com →
- Parent Holding Company
- MACON-ATLANTA BANCORP, INC. (RSSD 1133062)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Ma Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Ma Bank's total assets moved between a low of $345.1M (Q3 2023) and a high of $417.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$417.3M total assets against $382.4M; $379.5M total liabilities against $347.2M.
$232.6M net loans and leases against $201.6M; $364.5M total deposits against $339.6M.
$141.2M securities against $146.7M; $17.6M cash and balances due against $11.4M.
$5.3M total interest income against $4.8M; $2.0M total interest expense against $1.8M.
$3.3M net interest income against $3.0M.
$595K total noninterest income against $727K; $2.7M total noninterest expense against $2.6M.
$90K provision for credit losses against $90K.
$1.0M net income against $960K.
1.01% return on assets against 1.00%; 3.38% net interest margin against 3.25%.
9.54% tier 1 leverage ratio against 9.64%.
Inside the full Ma Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMa Bank rankings
Its closest position to the top of a national ranking is 1,202 of 3,640, for Texas Ratio; its furthest is 2,773 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.66% (Q1 2025) to 1.33% (Q3 2024) and its net interest margin ran from 3.18% (Q1 2025) to 3.51% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.54% | 1.01% | 0.96% | 5.61% | 3.38% |
| Q1 2026 | 9.52% | 1.12% | 0.70% | 3.92% | 3.32% |
| Q4 2025 | 9.81% | 0.91% | 0.72% | 3.85% | 3.51% |
| Q3 2025 | 9.77% | 0.86% | 1.19% | 6.27% | 3.26% |
| Q2 2025 | 9.64% | 1.00% | 1.19% | 6.55% | 3.25% |
| Q1 2025 | 9.55% | 0.66% | 0.76% | 4.25% | 3.18% |
| Q4 2024 | 9.94% | 0.67% | 0.76% | 4.38% | 3.28% |
| Q3 2024 | 10.26% | 1.33% | 0.54% | 2.76% | 3.45% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ma Bank (main office) | Macon , MO | 63552 | $279.3M |
| Monroe City Branch | Monroe City , MO | 63456 | $54.3M |
| Kirksville Branch | Kirksville , MO | 63501 | $30.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 100 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Ma Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Ma Bank
What are Ma Bank's total assets?
As of the Q2 2026 filing, Ma Bank reported total assets of $417.3 million in its FFIEC call report.
Where is Ma Bank headquartered?
It is headquartered in Macon, MO, United States.
When was Ma Bank founded?
It was established in 1893, per the FDIC institution directory.
Is Ma Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14695). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ma Bank?
Ma Bank's primary federal regulator is the Federal Reserve.
How many branches does Ma Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ma Bank's Texas Ratio?
Its Texas Ratio is 5.61% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Ma Bank previously called?
The charter now named Ma Bank has also operated as Macon - Atlanta State Bank (1935-2020), per FDIC structure-change records.
Go deeper on Ma Bank.
Get an email when Ma Bank files its next call report, and benchmark it against any peer you choose.
Unlock Ma Bank, freeFree account