Macon Bank&Trust Co: Bank Stress & Real-Estate Credit Exposure

Bank stress at Macon Bank&Trust Co (FDIC Cert #6091) registers 77/100 on DLRadar's scale — a severe reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. The combination of a severe reading and a compact footprint is what makes Macon Bank&Trust Co worth watching as a supply signal. Its footprint is compact and single-state: 21 ZIP codes in 3 counties over 1 states. It concentrates most in Tennessee (3 counties). Its lending reaches counties such as Sumner County, TN, Macon County, TN, Clay County, TN, each tied back to DLRadar's distress signals. Macon Bank&Trust Co's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Because Macon Bank&Trust Co is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 77/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Because Macon Bank&Trust Co is held under Macon Banctrust Inc, its financials are open to scrutiny and its trend can be independently checked. Rather than a standalone rating, the severe score is tied to real markets — every one of the 21 ZIP codes Macon Bank&Trust Co lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side.

The acquisition angle is simple — lending capacity is what moves deals. As Macon Bank&Trust Co tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.