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Macon Bank And Trust Company
Lafayette, TN · FDIC Certificate #6091 · Chartered 07/0
Total assets
$820.51M
Total deposits
$751.45M
Total equity
$61.75M
Net loans
$509.13M
Branches (offices)
8
Net income (YTD)
$4.56M
Rank: #1,227 of 4,213 U.S. banks by assets · #40 of 109 in Tennessee. Assets changed 13.4% and deposits 12.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 15.08% |
| Net interest margin (YTD) | 3.46% |
| Equity to assets | 7.53% |
| Tier 1 leverage ratio | 9.91% |
| Uninsured deposits (share of deposits) | 31.4% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 67.8% |
| Real estate loans (share of loans) | 86.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $438.21M | 86.1% | |
| Commercial & industrial | $51.63M | 10.1% | |
| Consumer / individual | $17.12M | 3.4% | |
| Construction & development | $88.34M | 17.4% | |
| Agricultural | $5.63M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $573.77M | $532.07M | $2.25M | $32.74M |
| Jun 2023 | $635.62M | $578.67M | $2.37M | $34.01M |
| Jun 2024 | $701.26M | $642.27M | $2.50M | $40.62M |
| Jun 2025 | $723.48M | $666.01M | $3.87M | $49.40M |
| Jun 2026 | $820.51M | $751.45M | $4.56M | $61.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $751.45M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $751.45M.
Similar-sized banks
Endeavor Bank ($822.66M) · Cibm Bank ($819.74M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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