Macon Bank & Trust Company

What Macon Bank & Trust Company does

Macon Bank & Trust Company is a privately held community bank founded in 1919 and headquartered at 609 Red Boiling Springs Road in Lafayette, Tennessee. The bank operates eight branch offices across four Middle Tennessee counties and reports approximately $770 million in total assets. The bank is FDIC-insured, designated an Equal Housing Lender, and registered with NMLS# 446921, with state lending licenses held by 27 named loan officers. Ownership is locally managed with no parent holding company, institutional investor, or public listing disclosed; employee headcount is reported in the 11–50 range, consistent with a small community bank.

Name

Macon Bank & Trust Company

Legal name

Macon Bank & Trust Company

Website

https://maconbankandtrust.com

Company type

Private

Founded year

1919

Operating status

Operating

Headcount range

11–50 employees

Short description

Macon Bank & Trust Company is a privately held community bank founded in 1919 and headquartered in Lafayette, Tennessee. Operating eight branches across four Middle Tennessee counties with approximately $770 million in total assets, it provides personal, business, and agricultural deposit and lending products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Community banking services
• Consumer lending
• Commercial lending
• Deposit accounts
• Agricultural loans

Headquarters

HQ city

Lafayette

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Primary revenue from interest earned on loans including auto loans, home equity loans, mortgage loans, business loans, and agricultural loans. Interest paid on deposits represents a cost.
2. Deposit Account Fees: Fee income from checking and savings accounts including minimum balance charges, overdraft fees ($30 per item, max $180/day), returned check fees ($30), wire transfer fees ($15 domestic, $50 international), stop payment fees ($20), and statement reproduction ($5).
3. Investment Products: Revenue from sale of investment products including Certificates of Deposit and Individual Retirement Accounts (IRAs), with interest rate spreads as primary income source.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Macon Bank & Trust Company is a privately held community bank offering personal and business deposit products (checking, savings, money market, Christmas club, kids club), consumer and commercial lending (auto, mortgage, home equity, credit cards, business and farm loans), and investment products (certificates of deposit and IRAs). The bank operates across eight branch offices in four Middle Tennessee counties with approximately $770 million in total assets.

Product overview

Macon Bank & Trust Company is a community bank offering a comprehensive suite of personal and business banking products. The bank's core offerings include deposit products (checking, savings, money market, Christmas club, and kids savings accounts), lending products (auto loans, credit cards, home equity loans, mortgages, and business/farm loans), and investment products (certificates of deposit and individual retirement accounts). Digital banking services include online banking, 24-hour telephone banking (On Call Banking), external transfers, and a comprehensive set of financial calculators. The bank also integrates third-party services including CardCash for gift card marketplace functionality and BankSITE-hosted calculators. With approximately $770 million in total assets and eight offices across four Tennessee counties, the bank positions itself as a local community bank providing personalized service alongside competitive financial products.

Differentiator

Problem solved

Functional benefit

Products and services

• Lifetime Checking
• Regular Savings
• Money Market Investment Account (MMIA)
• Christmas Club Account
• Money Tree Kids Club
• Certificate of Deposit
• Individual Retirement Account (IRA)
• Auto Loans
• Credit Cards
• Home Equity Loans & Lines of Credit
• Mortgage Loans
• Business Checking & Savings
• Business & Farm Loans
• Business Services
• Online Banking
• On Call Banking
• External Transfers
• Reorder Checks

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Two partnerships are on record, tiered minor.

• CardCashminorGTM or Marketing PartnerCardCash partnership for selling gift cards. Personal CardCash available at cardcash.us/maconbankandtrust and Business CardCash at cardcash.us/maconbankandtrustbiz.
• Joint Marketing Partners (credit card, debit card rewards, account benefits and insurance companies)minorGTM or Marketing PartnerJoint marketing partners include credit card companies, debit card reward programs, account benefit providers, and insurance companies as disclosed in privacy notice.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• First Horizon Bank: First Horizon is a Memphis-based regional bank with statewide Tennessee presence offering consumer, mortgage, and commercial banking — directly overlapping with Macon's offerings but with broader scale and a larger branch and digital footprint.
• Truist Bank: Truist is a Charlotte, NC-based regional bank with a significant Tennessee retail and commercial banking presence — operating as a broad incumbent that competes with Macon Bank & Trust for deposits, mortgages, and small business lending.
• Pinnacle Financial Partners: Pinnacle Financial Partners is a Nashville, TN-based bank operating a broad community and commercial banking franchise across Tennessee — overlapping with Macon's market but at significantly larger scale and with broader commercial banking capabilities.
• Regions Bank: Regions Bank is a Birmingham, AL-based regional bank with strong Tennessee branch density and a full suite of consumer, mortgage, and commercial banking products — a broad incumbent that competes with Macon Bank & Trust across Middle Tennessee.

Direct peers

• Wilson Bank & Trust: Wilson Bank & Trust is a Tennessee community bank headquartered in Lebanon, TN with a comparable multi-county branch footprint, consumer/business banking product mix, and FDIC-insured community bank model — making it one of the closest direct peers for Macon Bank & Trust.
• Volunteer State Bank: Volunteer State Bank is a community bank operating in Portland, TN with similar deposit, consumer lending, and small business offerings — comparable to Macon's Tennessee community bank model and rural-county geographic focus.
• Citizens Bank: Citizens Bank operates community banking franchises in Tennessee with consumer deposit and small business lending products — directly comparable to Macon Bank & Trust's community banking model and rural Tennessee footprint.
• First Freedom Bank: First Freedom Bank is a Tennessee community bank headquartered in Lebanon with a similar branch-based consumer and small business banking model, making it a direct comparable peer to Macon Bank & Trust.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/MaconTrust
• Facebookfacebook.com/maconbankandtrust
• LinkedInlinkedin.com/company/macon-bank-trust-company
• Instagraminstagram.com/maconbank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Macon Bank & Trust Company