BlastPoint's Banking Scorecard
Macon Bank and Trust Company
Community
Specialty: Commercial
TN
FDIC cert 6091
Lafayette, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Macon Bank and Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 9% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$772.2M
+8.7% YoY
+3.3% QoQ
|
-$619.3M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$475.9M
+15.8% YoY
+4.6% QoQ
|
-$499.5M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$706.3M
+9.0% YoY
+3.4% QoQ
|
-$458.3M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.14%
+28.1% YoY
+2.2% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.40%
+15.1% YoY
+1.0% QoQ
|
-0.26% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
54.96%
-8.6% YoY
-0.7% QoQ
|
-7.67% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.08%
+606.9% YoY
+41.0% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
67.39%
+6.2% YoY
+1.1% QoQ
|
-15.68% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
12.16%
-8.3% YoY
-2.3% QoQ
|
-8.89% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.05%
+652.6% YoY
+42.7% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.46%
+2.4% YoY
+28.4% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#35 of 371 · Top 9% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Quality Pressure
risk
#116 of 808 · Bottom 14% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.39% · Tier avg: 83.06%
83
83th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
73
73th pctile
Efficiency Ratio
Current: 54.96% · Tier avg: 62.63%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
39
39th pctile
Total Deposits
Current: $706.3M · Tier avg: $1.2B
37
37th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
33
33th pctile
Total Assets
Current: $772.2M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Total Loans
Current: $475.9M · Tier avg: $975.5M
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.16% · Tier avg: 21.05%
Top Weaknesses
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.16% · Tier avg: 21.05%
27
27th pctile
Total Loans
Current: $475.9M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Total Assets
Current: $772.2M · Tier avg: $1.4B
37
37th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
39
39th pctile
Total Deposits
Current: $706.3M · Tier avg: $1.2B
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
73
73th pctile
Efficiency Ratio
Current: 54.96% · Tier avg: 62.63%
83
83th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.39% · Tier avg: 83.06%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%