BlastPoint's Banking Scorecard
Macon Bank and Trust Company
Lafayette, TN
8 branches across TN
Macon Bank and Trust Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 6.3% in tier
- + Efficiency Ratio 8.93% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.4% in tier
- - ROA 0.12% below tier average
- - Net Interest Margin 0.46% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$825.4M
+12.6% YoY
+6.9% QoQ
|
+$439.3M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Top 7.2% in tier |
| Total Loans ? |
$494.3M
+17.1% YoY
+3.9% QoQ
|
+$238.6M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
Top 11.6% in tier |
| Total Deposits ? |
$757.1M
+12.1% YoY
+7.2% QoQ
|
+$429.1M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Top 4.4% in tier |
| Return on Assets ? |
1.15%
+21.9% YoY
+0.9% QoQ
|
-0.12% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
3.47%
+10.9% YoY
+1.9% QoQ
|
-0.46% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
56.35%
-3.9% YoY
+2.5% QoQ
|
-8.93% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.05%
+248.5% YoY
-40.2% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
65.29%
+4.5% YoY
-3.1% QoQ
|
-11.34% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
12.54%
+5.5% YoY
+3.2% QoQ
|
-9.48% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.03%
+262.4% YoY
-41.9% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
10.02%
+1.4% YoY
-1.7% QoQ
|
-5.81% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.0% in tier |
| Non-Interest Income / Assets ? |
0.10%
+4.3% YoY
-77.1% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
55% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.