Macon Bank And Trust Company is a bank based in Lafayette, Tennessee, established in 1919, with $825 million in total assets across 8 branches. By Trust Grade it ranks 102nd of 109 banks we track in Tennessee. Its capital ratio of 7.3% trails most similarly sized banks (9th percentile), versus a Tennessee median of 9.8%. It was profitable over the most recent period, with a 1.15% return on assets. No consumer complaints against Macon Bank And Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Macon Bank And Trust Company compares to Tennessee peers
How we graded Macon Bank And Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.3% capital ratio)
- Strongly profitable (ROA 1.15%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Macon Bank And Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (8)
- 201 Main St, Celina, TN 38551
- Public Square, Lafayette, TN 37083
- 261 Market St, Red Boiling Springs, TN 37150
- 10363 Highway 52 W, Westmoreland, TN 37186
- 609 Red Boiling Springs Rd, Lafayette, TN 37083
- 5284 New Highway 31 E, Westmoreland, TN 37186
- 685 Nashville Pike, Gallatin, TN 37066
- 120 Mcmurry Blvd W, Hartsville, TN 37074
Are deposits at Macon Bank And Trust Company insured?
Yes. Macon Bank And Trust Company is an FDIC-insured bank (FDIC certificate #6091). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Macon Bank And Trust Company: frequently asked questions
Is Macon Bank And Trust Company a good bank?
Macon Bank And Trust Company earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (7.3% capital ratio); Strongly profitable (ROA 1.15%).
Is Macon Bank And Trust Company FDIC-insured?
Yes. Macon Bank And Trust Company is a FDIC-insured bank (FDIC certificate #6091). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Macon Bank And Trust Company?
Macon Bank And Trust Company holds $825 million in total assets, ranking 102nd of 109 banks we track in Tennessee. It operates 8 branches.
Does Macon Bank And Trust Company have CFPB complaints?
No CFPB complaints against Macon Bank And Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
