Macon Bank and Trust Company

Lafayette, TN · Cert 6091 · Macon Banctrust Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$820.5MAssets

$513.7MLoans

$751.5MDeposits

$61.8MEquity

Loan mix

Deposit mix

NIM

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.6% share · #24 of 62 inst. · $0.7B of $107.8B

58.4% Macon

1.9% Sumner

43.4% Clay

5.2% Trousdale

Earnings: ROA of 1.13%, up 6 bps year over year; NIM at 3.10%.
Asset quality: problem loans at 0.08% of loans (-6 bps YoY), with net charge-offs at 0.02%.

Return on Assets (YTD, annualized)

1.13%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+18 bps YoY

Efficiency Ratio (YTD, annualized)

56.54%+6 bps YoY

Tier 1 Leverage Ratio

9.91%-21 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.07%	1.11%	1.14%	1.15%	1.13%	+6 bps
Return on Equity	16.37%	16.35%	16.29%	15.33%	15.08%	-129 bps
Net Interest Margin	2.93%	3.02%	3.00%	3.18%	3.10%	+18 bps
Efficiency Ratio	56.48%	55.33%	54.96%	56.35%	56.54%	+6 bps
Non-Interest Burden	1.46%	1.46%	1.45%	1.61%	1.57%	+12 bps
Growth
Asset Growth (YoY)	3.17%	4.34%	8.73%	12.63%	13.41%	+1,024 bps
Loan Growth (YoY)	12.28%	14.70%	15.79%	17.12%	16.86%	+458 bps
Deposit Growth (YoY)	3.70%	5.20%	9.01%	12.07%	12.83%	+913 bps
Asset Quality
Nonperforming Loans / Loans	0.14%	0.06%	0.08%	0.05%	0.08%	-6 bps
Net Charge-Offs / Loans	0.01%	0.01%	0.02%	0.03%	0.02%	+1 bps
Allowance / Loans	0.89%	0.89%	0.90%	0.90%	0.89%	0 bps
Allowance Coverage of NPLs	6.5x	15.0x	10.8x	18.0x	11.6x	+5.1x
Capital
Tier 1 Leverage Ratio	10.11%	10.29%	10.20%	10.02%	9.91%	-21 bps
Total Risk-Based Capital	10.11%	10.29%	10.20%	10.02%	9.91%	-21 bps
Equity / Assets	6.83%	7.55%	7.63%	7.34%	7.53%	+70 bps
Liquidity & Funding
Loans / Deposits	66.00%	67.23%	68.00%	65.89%	68.36%	+236 bps
Liquid Assets / Assets	0.03%	0.03%	0.03%	0.03%	0.03%	0 bps
CRE / Total Capital	n/a	254%	258%	258%	n/a	n/a