Macon Bank and Trust Company
Lafayette, TN · Cert 6091 · Peer group: banks under $1B in assets (n=581-629) · Macon Banctrust Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$820.5MAssets
$513.7MLoans
$751.5MDeposits
$61.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks under $1B in assets (rank 113 of 629).
- Widest gap: equity / assets trails 92% of banks under $1B in assets (rank 578 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.11%
Rank 278 of 629
Net Interest Margin
3.10%
Rank 453 of 629
Efficiency Ratio
56.54%
Rank 136 of 629
Equity / Assets
7.53%
Rank 578 of 629
Non-interest income vs. expense
Unfavorable gap of $13.2M · efficiency ratio beats 79% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.60% | 1.01% | 1.45% | Beats 56% | 278 / 629 | |
| Return on Equity | 14.76% | 5.38% | 9.30% | 13.28% | Beats 82% | 113 / 629 | |
| Net Interest Margin | 3.10% | 3.03% | 3.54% | 4.05% | Beats 28% | 453 / 629 | |
| Efficiency Ratio | 56.54% | 58.35% | 67.79% | 79.08% | Beats 79% | 136 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.09% | 0.46% | 1.20% | Beats 77% | 133 / 581 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 41% | 343 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.91% | 11.24% | 13.84% | 18.77% | Beats 9% | 570 / 629 | |
| Total Risk-Based Capital Ratio | 9.91% | 11.58% | 14.43% | 19.66% | Beats 9% | 573 / 629 | |
| Equity / Assets | 7.53% | 9.09% | 10.65% | 13.80% | Beats 8% | 578 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 68.36% | 67.24% | 80.90% | 93.48% | 27th pctl | 435 / 594 | |
| Loans / Assets | 62.61% | 53.31% | 67.71% | 78.15% | 39th pctl | 381 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |