Macon Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Macon Bank and Trust Company of Lafayette, TN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.08% | 1.35% | -0.27% | 38th below |
| ROAE | 14.82% | 13.32% | +1.50% | 65th above |
| Net Interest Margin | 3.31% | 3.93% | -0.62% | 20th bottom |
| Efficiency Ratio | 56.26% | 61.13% | -4.87% | 65th above |
| PPNR / Avg Assets | 1.53% | 1.68% | -0.15% | 46th below |
| Yield on Earning Assets | 5.70% | 5.67% | +0.03% | 55th above |
| Cost of Funds | 2.56% | 1.88% | +0.68% | 14th bottom |
| Net Interest Spread | 2.83% | 3.32% | -0.49% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.94% | -0.91% | 82nd top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 45th below |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) | 3495.42% | 1544.42% | +1951.00% | — |
| Texas Ratio | 0.91% | 7.34% | -6.43% | 74th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 685.37% | 1395.72% | -710.35% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.91% | 12.14% | -2.23% | 29th below |
| Equity / Assets | 7.53% | 11.37% | -3.84% | 9th bottom |
| TCE / Tangible Assets | 7.47% | 11.09% | -3.62% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.36% | 80.67% | -12.31% | 73rd above |
| Core Deposit Ratio | 75.99% | 86.86% | -10.87% | 10th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.41% | 6.84% | +6.57% | 90th top |
| Loan Growth (Y/Y) | 16.86% | 7.91% | +8.95% | 89th top |
| Deposit Growth (Y/Y) | 12.83% | 6.28% | +6.55% | 88th top |
See Macon Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Macon Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Macon Bank and Trust Company profile, how to read a UBPR, or how this data updates.