MACON BANK&TRUST CO
LAFAYETTE, TENNESSEE · FDIC Cert #6091
Capital & Safety Analysis
According to FDIC financial data, MACON BANK&TRUST CO holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject MACON BANK&TRUST CO to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
MACON BANK&TRUST CO shows average financial health. While not alarming, its Health Score of 61/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
MACON BANK&TRUST CO has a Bank Health Score of C (61/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
MACON BANK&TRUST CO holds $701M in total assets and $642M in total deposits. It is located in LAFAYETTE, TENNESSEE (FDIC Certificate #6091).
MACON BANK&TRUST CO has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.01%, and the return on assets is 0.94%.
Yes. MACON BANK&TRUST CO is FDIC-insured (Certificate #6091). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.