Macon Bank and Trust Company
Lafayette, TN
IDRSSD: 709639
Total Assets
$747.58M
Latest filing
Total Deposits
$683.00M
Latest filing
Net Interest Margin
3.62%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Macon Bank and Trust Company
609 Red Boiling Springs Rd
Lafayette, TN 37083
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1919FDIC Certificate 4114
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Macon Bank and Trust Company (Main) | 609 Red Boiling Springs Rd | Lafayette, TN |
| CELINA BRANCH | 201 Main St | Celina, TN |
| LAFAYETTE BRANCH | Public Square | Lafayette, TN |
| RED BOILING SPRINGS BRANCH | 261 Market St | Red Boiling Springs, TN |
| WESTSIDE BRANCH | 10363 Highway 52 W | Westmoreland, TN |
| WESTMORELAND BRANCH | 5284 New Highway 31 E | Westmoreland, TN |
| GALLATIN BRANCH | 685 Nashville Pike | Gallatin, TN |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37083 |
| State and County Number | 47111 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Nashville-Davidson-Murfreesboro-Franklin, TN |
Operational Info
| Number of Employees | 102 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | maconbankandtrust.com |
| Data Updated | 11/14/2025 |
| CERT | 6091 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $747.58M |
| Total Deposits | $683.00M |
| Total Liabilities | $691.14M |
| Total Equity Capital | $56.44M |
| Net Income | $2.21M |
| Net Loans and Leases | $455.11M |
| Assets Per Employee ($Millions) | $7.12M |
| Bank Premises and Fixed Assets | $7.03M |
| Cash and Balances due from Depository Institutions | $14.32M |
| Deposits Held in Domestic Offices | $683.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.2% |
| Return on Equity (ROE) | 16.7% |
| Net Interest Margin | 3.62% |
| Efficiency Ratio | 53.3% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.549% |
| Earning Assets to total Assets | 92.88% |
Income and Expense
| Total Interest Income | $10.59M |
| Total Noninterest Income | $978.00k |
| Total Interest Expense | $4.42M |
| Total Noninterest Expense | $3.81M |
| Net Interest Income | $6.18M |
| Pre-tax Net Operating Income | $3.19M |
| Provision for Credit Losses | $149.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $109.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $26.98M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.03M |
| Total Liabilities and Capital | $747.58M |
Securities
| Securities | $211.99M |
| Available-for-sale debt securities | $211.99M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Macon Bank and Trust Company?
$747.58M as of the latest filing.
How much are Macon Bank and Trust Company's total deposits?
$683.00M in total deposits.
Where is Macon Bank and Trust Company located?
Lafayette, TN.
What is the Net Interest Margin?
3.62%.
How many domestic offices does it operate?
7.
When was it established?
07/01/1919.
What is the Return on Assets (ROA)?
1.2%.
How much are total loans and leases?
$455.11M (latest filing).
What is the total interest income (latest filing)?
$10.59M.