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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
85%RE $419.5M11%C&I $55.3M3%Consumer $17.0MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $669.2M11%Noninterest $82.2MQ3 2024Q2 2026

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

Executive Summary

  • Earnings: ROA of 1.10%, down 9 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.08% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.91%, down 21 bps from a year ago.
  • Funding: loans stand at 68.36% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.10%-9 bps YoY

Net Interest Margin (quarter, annualized)

3.12%+8 bps YoY

Efficiency Ratio (quarter, annualized)

56.72%+221 bps YoY

Tier 1 Leverage Ratio

9.91%-21 bps YoY

NIM

5.09%Q2 ’245.37%Q2 ’255.39%Q2 ’26+18%+3%

Non-interest income vs. expense

1.92%Q2 ’241.93%Q2 ’252.01%Q2 ’26-3%+11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%1.19%0.94%1.19%1.20%1.21%1.15%1.10%-9 bps
Return on Equity14.11%18.28%14.71%17.75%16.70%15.95%15.33%14.82%-293 bps
Net Interest Margin2.76%2.87%2.81%3.04%3.27%3.21%3.18%3.12%+8 bps
Efficiency Ratio60.50%50.53%58.66%54.50%53.30%53.95%56.35%56.72%+221 bps
Non-Interest Burden1.49%1.23%1.49%1.43%1.50%1.52%1.61%1.59%+16 bps
Growth
Asset Growth (YoY)9.92%5.83%5.12%3.17%4.34%8.73%12.63%13.41%+1,024 bps
Loan Growth (YoY)15.41%14.20%14.03%12.28%14.70%15.79%17.12%16.86%+458 bps
Deposit Growth (YoY)9.39%5.37%5.41%3.70%5.20%9.01%12.07%12.83%+913 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.01%0.14%0.06%0.08%0.05%0.08%-6 bps
Net Charge-Offs / Loans0.03%0.00%0.00%0.01%0.01%0.04%0.03%0.00%-1 bps
Allowance / Loans0.87%0.88%0.90%0.89%0.89%0.90%0.90%0.89%0 bps
Allowance Coverage of NPLs16.1x74.2x62.5x6.5x15.0x10.8x18.0x11.6x+5.1x
Capital
Tier 1 Leverage Ratio9.70%9.83%9.88%10.11%10.29%10.20%10.02%9.91%-21 bps
Total Risk-Based Capital9.70%9.83%9.88%10.11%10.29%10.20%10.02%9.91%-21 bps
Equity / Assets6.84%6.18%6.61%6.83%7.55%7.63%7.34%7.53%+70 bps
Liquidity & Funding
Loans / Deposits61.66%64.02%63.04%66.00%67.23%68.00%65.89%68.36%+236 bps
Liquid Assets / Assets0.03%0.03%0.03%0.03%0.03%0.03%0.03%0.03%0 bps
CRE / Total Capitaln/an/an/an/a254%258%258%n/an/a