Macon Bank&Trust Co (FDIC #6091): Bank Stress & Real-Estate Credit Exposure
Macon Bank&Trust Co (FDIC Cert #6091): bank stress 77/100, severe, STABLE over 7 days; parent MACON BANCTRUST INC.
Macon Bank&Trust Co (#6091) lends in 4 counties across 1 state; Macon Bank&Trust Co (#6091) reaches 22 ZIP codes: Tennessee 4 counties, 22 ZIPs.
Macon Bank&Trust Co (#6091) largest markets: Sumner County, TN (20 branches, 10 ZIPs) (#6091), Macon County, TN (32 branches, 8 ZIPs) (#6091), Clay County, TN (7 branches, 7 ZIPs) (#6091), Trousdale County, TN (5 branches, 5 ZIPs) (#6091).
Macon Bank&Trust Co (#6091) reports $820.5 million in total assets; Macon Bank&Trust Co (#6091) equity $61.8 million (7.5% of Macon Bank&Trust Co (#6091) assets); Macon Bank&Trust Co (#6091) domestic deposits $751.5 million; Macon Bank&Trust Co (#6091) net income $4.6 million; Macon Bank&Trust Co (#6091) return on assets 1.13%; Macon Bank&Trust Co (#6091) return on equity 15.08%; Macon Bank&Trust Co (#6091) net interest income $13.0 million; Macon Bank&Trust Co (#6091) call report June 30, 2026.
Macon Bank&Trust Co (#6091) noncurrent real-estate loans: none reported; Macon Bank&Trust Co (#6091) net charge-offs on real estate 0.08%; Macon Bank&Trust Co (#6091) commercial charge-offs 0.23%.
Macon Bank&Trust Co (#6091) net interest margin 3.46% against an eight-quarter Macon Bank&Trust Co (#6091) average of 3.24% (Macon Bank&Trust Co (#6091) compression -0.22 points); Macon Bank&Trust Co (#6091) commercial real estate 23.0% of equity; Macon Bank&Trust Co (#6091) rate-exposure score 42/100, Macon Bank&Trust Co (#6091) fixed-rate trap 42/100; Macon Bank&Trust Co (#6091) risk type credit driven; Macon Bank&Trust Co (#6091) rate regime rates elevated, Macon Bank&Trust Co (#6091) snapshot October 19, 2026.
Macon Bank&Trust Co (#6091) stress score moved from 75.5 on June 22, 2026 to 76.6 on October 19, 2026; Macon Bank&Trust Co (#6091) ranged 75.5 to 76.6 over 116 snapshots.
Macon Bank&Trust Co (#6091) alerts: 3 counties; top Macon Bank&Trust Co (#6091) alert scores: Celina County, TN 26 (low); Hartsville County, TN 26 (low); Westmoreland County, TN 26 (low).