Macon Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 196.89 percentage points higher than in Q1 2026, at 3495.42%. Within Tennessee, Macon Bank and Trust Company is 58th of 109 on return on assets, 1.08% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Macon Bank and Trust Company sits 0.17 points lower, at 1.08% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.91% |
| Equity capital to assets | 7.53% |
| Tangible equity to tangible assets | 7.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.91% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 3495.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 14.82% |
| Net interest margin | 3.31% |
| Efficiency ratio | 56.26% |
| Yield on earning assets | 5.70% |
| Cost of funds | 2.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.36% |
| Core deposits to total deposits | 75.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.58% |
| Securities to assets | 25.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.92% | 0.68% | 2.64% | 0.06% | 0.02% |
| Q4 2023 | 9.76% | 0.68% | 2.65% | 0.05% | 0.02% |
| Q1 2024 | 9.62% | 0.64% | 2.59% | 0.00% | 0.18% |
| Q2 2024 | 9.50% | 0.75% | 2.73% | 0.01% | -0.00% |
| Q3 2024 | 9.70% | 0.87% | 2.92% | 0.00% | 0.03% |
| Q4 2024 | 9.83% | 1.16% | 3.04% | 0.01% | -0.00% |
| Q1 2025 | 9.88% | 0.91% | 2.99% | 0.02% | 0.00% |
| Q2 2025 | 10.11% | 1.16% | 3.24% | 0.01% | 0.01% |
| Q3 2025 | 10.29% | 1.17% | 3.48% | 0.01% | 0.01% |
| Q4 2025 | 10.20% | 1.18% | 3.40% | 0.01% | 0.05% |
| Q1 2026 | 10.02% | 1.12% | 3.38% | 0.03% | 0.03% |
| Q2 2026 | 9.91% | 1.08% | 3.31% | 0.03% | 0.00% |
Macon Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Macon Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)