BlastPoint's Banking Scorecard
Macon Bank and Trust Company
Lafayette, TN
8 branches across TN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
- Deposits +12.8% year over year ($751.5M on the books).
- Delinquency rate 0.08%.
- Return on assets 1.13%.
- Efficiency ratio 56.54% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.75% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Macon Bank and Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.94% below tier average
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Net Interest Margin 0.53% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$820.5M
+13.4% YoY
-0.6% QoQ
|
+$433.9M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Top 7.0% in tier |
| Total Loans ? |
$509.1M
+16.9% YoY
+3.0% QoQ
|
+$250.8M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Top 10.6% in tier |
| Total Deposits ? |
$751.5M
+12.8% YoY
-0.7% QoQ
|
+$424.7M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
Top 4.4% in tier |
| Return on Assets ? |
1.13%
+5.5% YoY
-1.4% QoQ
|
-0.19% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.46%
+6.2% YoY
-0.2% QoQ
|
-0.53% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
56.54%
+0.1% YoY
+0.3% QoQ
|
-7.94% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.08%
-43.9% YoY
+54.0% QoQ
|
-0.84% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
67.75%
+3.6% YoY
+3.8% QoQ
|
-10.20% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
10.94%
-10.6% YoY
-12.7% QoQ
|
-11.09% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.4% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-27.2% YoY
+101.2% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
9.91%
-2.1% YoY
-1.2% QoQ
|
-6.00% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.3% in tier |
| Non-Interest Income / Assets ? |
0.21%
-8.8% YoY
+102.2% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
54% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
10.9%
-1.3pp YoY -1.6pp QoQ |
-11.2pp | 22.1% | 18.8% | 22.2% | 12% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.1%
-2.2pp YoY -1.0pp QoQ |
-1.4pp | 11.6% | 10.9% | 12.5% | 53% |
| CRE |
43.3%
-0.1pp YoY +0.7pp QoQ |
+3.7pp | 39.5% | 42.4% | 41.4% | 59% |
| 1-4 Family |
31.5%
+1.0pp YoY +0.4pp QoQ |
-1.1pp | 32.6% | 39.8% | 31.3% | 54% |
| Consumer |
3.4%
-0.6pp YoY -0.1pp QoQ |
-0.7pp | 4.1% | 4.5% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
9.9%
-0.2pp YoY -0.1pp QoQ |
-2.3pp | 12.2% | 11.4% | 12.6% | 29% |
| Total Capital Ratio | n/a | n/a | 19.9% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
111
+9 (+8.8%) YoY +6 (+5.7%) QoQ |
+52 | 58 | 270 | 482 | 90% |
| Assets per Employee ($) |
$7.4M
+4.2% YoY -6.0% QoQ |
-$126K | $7.5M | $7.1M | $8.8M | 59% |
| Branch Count |
8
+1 (+14.3%) YoY 0 QoQ |
+3 | 4 | 17 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.4% | 45% |
| Nonaccrual |
0.0%
0.0pp QoQ |
-0.9pp | 0.9% | 0.7% | 1.0% | 2% |
| Allowance Coverage |
11.59x
+77.7% YoY -35.7% QoQ |
-12.56x | 24.15x | 28.97x | 20.23x | 83% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 51% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.1%
-1.3pp YoY -0.2pp QoQ |
+2.9pp | 12.2% | 10.9% | 11.6% | 68% |
| Cost of Funds (YTD) |
2.5%
-0.2pp YoY +0.1pp QoQ |
+0.7pp | 1.7% | 2.0% | 1.7% | 89% |
| Net Income ($, YTD) |
$4.6M
+17.8% YoY — QoQ |
+$2.0M | $2.6M | $16.7M | $40.4M | 84% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.