Macon Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Macon Bank and Trust Company is an FDIC-insured commercial bank headquartered in Lafayette, TN, established in 1919 (FDIC certificate 6091), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $820.5M, up 13.4% from Q2 2025, the 40th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.91% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6091
- Headquarters
- Lafayette, TN
- Established
- 1919
- Total assets, Q2 2026
- $820.5M
- Assets vs Q2 2025
- +13.4%
- Tier 1 leverage ratio, Q2 2026
- 9.91%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 064101204
- Latest call report
- Q2 2026, FFIEC 051 · Macon Bank and Trust Company call report
- Holding company
- MACON BANCTRUST, INC.
- Asset rank in state
- 40th of 109 in Tennessee
Macon Bank and Trust Company, based in Lafayette, Tennessee, reported $821 million in assets at June 30, 2026, up 13.4% from a year earlier. It grew its loan book 16.9% 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 pays an average of 2.56% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $30 million equal 36% of Tier 1 capital, down from 48% a year earlier. Loans are outrunning deposits: over the year loans rose 16.9% and deposits rose 12.8%. Its margin is thin by comparison: it keeps 3.31 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, Macon Bank and Trust Company reported a return on assets of 1.08%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.76%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Macon Bank and Trust Company is the 40th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $820.5M, loans rose 3.0% and deposits fell 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.2% of total loans, followed by construction and land development loans at 17.2%. Its 8 offices in the FDIC Summary of Deposits are in 6 cities in TN; its Lafayette 2 offices book 61% of its branch deposits. On its Q2 2026 call report, Macon Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 609 Red Boiling Springs Rd, Lafayette, TN 37083
- County
- Macon
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1919
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 111
- Domestic deposits
- $751.5M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $41K
- Average total assets
- $841.2M
- Average total loans
- $506.3M
- Average interest-bearing deposits
- $659.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6091
- Fed RSSD
- 709639
- Website
- maconbankandtrust.com →
- Parent Holding Company
- MACON BANCTRUST, INC. (RSSD 1136577)
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, Macon Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Macon Bank and Trust Company's total assets ran between $651.8M (Q3 2023) and $825.4M (Q1 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
$820.5M total assets against $723.5M; $758.8M total liabilities against $674.1M.
$509.1M net loans and leases against $435.7M; $751.5M total deposits against $666.0M.
$208.7M securities against $217.0M; $61.7M cash and balances due against $30.0M.
$11.3M total interest income against $10.0M; $4.8M total interest expense against $4.3M.
$6.6M net interest income against $5.7M.
$871K total noninterest income against $942K; $4.2M total noninterest expense against $3.6M.
$150K provision for credit losses against $150K.
$2.3M net income against $2.2M.
1.08% return on assets against 1.16%; 3.31% net interest margin against 3.24%.
9.91% tier 1 leverage ratio against 10.11%.
Inside the full Macon Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMacon Bank and Trust Company rankings
Its closest position to the top of a national ranking is 1,219 of 4,196, for total assets; its furthest is 2,824 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q3 2024) to 1.18% (Q4 2025) and its net interest margin ran from 2.92% (Q3 2024) to 3.48% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.91% | 1.08% | 0.08% | 0.76% | 3.31% |
| Q1 2026 | 10.02% | 1.12% | 0.05% | 0.39% | 3.38% |
| Q4 2025 | 10.20% | 1.18% | 0.08% | 0.64% | 3.40% |
| Q3 2025 | 10.29% | 1.17% | 0.06% | 0.45% | 3.48% |
| Q2 2025 | 10.11% | 1.16% | 0.14% | 1.14% | 3.24% |
| Q1 2025 | 9.88% | 0.91% | 0.01% | 0.12% | 2.99% |
| Q4 2024 | 9.83% | 1.16% | 0.01% | 0.10% | 3.04% |
| Q3 2024 | 9.70% | 0.87% | 0.05% | 0.42% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Macon Bank and Trust Company (main office) | Lafayette , TN | 37083 | $284.1M |
| Lafayette Branch | Lafayette , TN | 37083 | $174.1M |
| Red Boiling Springs Branch | Red Boiling Springs , TN | 37150 | $86.8M |
| Celina Branch | Celina , TN | 38551 | $67.2M |
| Westmoreland Branch | Westmoreland , TN | 37186 | $61.1M |
| Gallatin Branch | Gallatin , TN | 37066 | $47.5M |
| Westside Branch | Westmoreland , TN | 37186 | $16.5M |
| Macon Bank and Trust Company Branch | Hartsville , TN | 37074 | $14.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in TN, rank 53 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Macon Bank and Trust Company
What are Macon Bank and Trust Company's total assets?
As of the Q2 2026 filing, Macon Bank and Trust Company reported total assets of $820.5 million in its FFIEC call report.
Where is Macon Bank and Trust Company headquartered?
It is headquartered in Lafayette, TN, United States.
When was Macon Bank and Trust Company founded?
It was established in 1919, per the FDIC institution directory.
Is Macon Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6091). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Macon Bank and Trust Company?
Macon Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does Macon Bank and Trust Company operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Macon Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.76% 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.
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