Lafayette, TN · Cert 6091 · Macon Banctrust Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 0.6% share · #24 of 62 inst. · $0.7B of $107.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.20% | 1.21% | 1.15% | 1.10% | -9 bps | |
| Return on Equity | 17.75% | 16.70% | 15.95% | 15.33% | 14.82% | -293 bps | |
| Net Interest Margin | 3.04% | 3.27% | 3.21% | 3.18% | 3.12% | +8 bps | |
| Efficiency Ratio | 54.50% | 53.30% | 53.95% | 56.35% | 56.72% | +221 bps | |
| Non-Interest Burden | 1.43% | 1.50% | 1.52% | 1.61% | 1.59% | +16 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% | 0.04% | 0.03% | 0.00% | -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 | |