Macon Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.48 percentage points in Q2 2026, from 65.89% to 68.36%. It was the largest change from Q1 2026 among the key lines here. Macon Bank and Trust Company ranks 90th of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 68.36% (Q2 2026). Macon Bank and Trust Company reported 68.36% on loan-to-deposit ratio for Q2 2026, 12.58 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $513.7M |
| Net loans and leases | $509.1M |
| Loans held for sale | $0 |
| Loans to total assets | 62.61% |
| Loan-to-deposit ratio | 68.36% |
| Net loans to equity capital | 8.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.64% |
| Multifamily (5+ residential) | 4.05% |
| Commercial and industrial | 10.05% |
| Consumer | 3.33% |
| Credit cards | 0.00% |
| Farm | 11.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 187.80% |
| Construction concentration (Tier 1 capital + allowance) | 100.56% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.36% |
| Interest income on loans | $9.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $346.9M | $593.5M | 18.84% | 12.20% | 5.03% |
| Q4 2023 | $363.2M | $614.9M | 19.77% | 14.75% | 4.87% |
| Q1 2024 | $373.5M | $640.9M | 19.62% | 14.87% | 4.59% |
| Q2 2024 | $391.5M | $642.3M | 19.57% | 14.66% | 4.42% |
| Q3 2024 | $400.3M | $649.2M | 18.78% | 13.67% | 4.40% |
| Q4 2024 | $414.8M | $647.9M | 19.85% | 13.77% | 4.14% |
| Q1 2025 | $425.9M | $675.5M | 20.19% | 12.95% | 3.99% |
| Q2 2025 | $439.6M | $666.0M | 19.71% | 12.21% | 3.93% |
| Q3 2025 | $459.2M | $683.0M | 18.54% | 11.67% | 4.00% |
| Q4 2025 | $480.3M | $706.3M | 17.92% | 11.80% | 3.65% |
| Q1 2026 | $498.8M | $757.1M | 20.57% | 11.08% | 3.41% |
| Q2 2026 | $513.7M | $751.5M | 21.64% | 10.05% | 3.33% |
Macon Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Macon Bank and Trust Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Macon Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6091) · FFIEC NIC profile (RSSD 709639)