Macon Bank and Trust Company: how it compares with its peers
Against 43 TN banks with half to twice its assets, Macon Bank and Trust Company's strongest measure in Q2 2026 is assets per employee ($7.4M vs. a $6.5M peer median). Its weakest relative measure is net interest margin (3.46% vs. 4.00%).
| Measure | Macon Bank and Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.21% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.46% | 4.00% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.54% | 63.35% | Middle third Ahead of 63% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.4M | $6.5M | Top third Ahead of 72% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.75% | 82.22% | Context |
What it means for lending operations
Its efficiency ratio of 56.54% is better than the 63.35% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Freedom Bank Lebanon, TN · $818M
- First Century Bank Tazewell, TN · $810M
- Citizens Bank Carthage, TN · $832M
- Millennium Bank Chattanooga, TN · $781M
- Paragon Bank Memphis, TN · $908M
- Legends Bank Clarksville, TN · $928M
Questions about Macon Bank and Trust Company
How big is Macon Bank and Trust Company?
Macon Bank and Trust Company, established in 1919, is headquartered in Lafayette, TN. It reported $821M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Macon Bank and Trust Company's return on assets?
1.13% annualized in Q2 2026, against a 1.21% median for 43 TN banks with half to twice its assets, ahead of 47% of them.
What is Macon Bank and Trust Company's efficiency ratio?
56.54% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 63.35%, and lower is better.
Is Macon Bank and Trust Company growing its loans?
Net loans grew 16.9% over the year to Q2 2026, while deposits grew 12.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Tennessee bank ranked.