MACON BANCTRUST INC is the bank holding company. MACON BANK AND TRUST COMPANY is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

MACON BANCTRUST INC

Legal name: MACON BANCTRUST, INC.

1 active bank · $825M combined assets

RSSD ID: 1136577 (FFIEC NIC)

Combined Assets

$825M

CRA Rating Summary

Satisfactory1charter

Across all 11 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankMACON BANK AND TRUST COMPANYLAFAYETTE, TNSatisfactory$825MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$825M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$757M

Net Income

$2M

ROA (avg)

1.15%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

120

Origination Rate

97.5%

Denial Rate

0.83%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
MACON BANK AND TRUST COMPANY	LAFAYETTE, TN	FDIC	$825M	100.0%	Satisfactory	Oct 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.