Macon-Atlanta State Bank

1513 North Missouri Street
Macon, MO 63552


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14695
Date Established 1893
Assets $0.28 billion
Loans $0.15 billion
Deposits $0.24 billion
Capital $0.03 billion

Macon-Atlanta State Bank is an FDIC insured institution located in Macon, MO. It was founded in 1893 and has approximately $0.28 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Macon-Atlanta State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 19, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1,000 $9,999 Learn MoreShow Less
Money Market
0.75% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
0.75% $1,000 - Learn MoreShow Less
6 Mo CD
1.05% $500 - Learn MoreShow Less
12 Mo CD
1.41% $500 - Learn MoreShow Less
24 Mo CD
1.61% $500 - Learn MoreShow Less
36 Mo CD
1.71% $500 - Learn MoreShow Less
48 Mo CD
1.81% $500 - Learn MoreShow Less
Special: 52 Mo CD
2.47% $500 - Learn MoreShow Less
60 Mo CD
1.91% $500 - Learn MoreShow Less

Fixed IRA
1.41% $500 - Learn MoreShow Less
Special: 52 Mo FIRA
2.47% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
1.05% $50 - Learn MoreShow Less

Loan Rates - August 19, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Macon-Atlanta State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
3.643% 3.625% 0.25 $552 $1,141 Learn More
NMLS ID: 2890
License#: 13256
3.530% 3.500% 0.38 $940 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Macon-Atlanta State Bank
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Financial Details

Macon-Atlanta State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Macon-Atlanta State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Macon-Atlanta State Bank U.S. Bank Average
9.76% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Macon-Atlanta State Bank had $3,069,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $28,763,000 in equity and $2,673,000 in loans loss reserves. That gives it a Texas Ratio of 9.76%.

Return on Equity
Macon-Atlanta State Bank U.S. Bank Average
10.72% 9.47%

Macon-Atlanta State Bank has a Return on Equity of 10.72% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Macon-Atlanta State Bank U.S. Bank Average
10.4% 12.49%

Macon-Atlanta State Bank has a Capitalization of 10.4% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Macon-Atlanta State Bank Balance Sheet Analysis

As of March 31, 2019, Macon-Atlanta State Bank had assets of $276,508,000, loans of $150,761,000, and deposits of $242,569,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.09 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.15 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.25 billion
Total deposits $0.24 billion
      Interest-bearing deposits $0.19 billion
      Deposits held in domestic offices $0.24 billion
      % insured (estimated) 79.71%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.25 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Macon-Atlanta State Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Missouri, Macon-Atlanta State Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.51
Credit Card Loans 0.03
Consumer Auto Loans 2.70
Small Business Loans 14.34
Construction and Development Loans 1.79
Commercial Real Estate 14.34
Commercial and Industrial Loans 9.11
Farm Loans 12.97

Frequently Asked Questions About Macon-atlanta State Bank

Branches and Savings

Is Macon-atlanta State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #14695.

Why does Macon-atlanta State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Macon-atlanta State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Macon-atlanta State Bank a commercial bank?


Where are Macon-atlanta State Bank locations?

See branch locations nearby.

Is Macon-atlanta State Bank open on Saturdays?

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What time does Macon-atlanta State Bank open?

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Are Macon-atlanta State Bank ATMs Open 24/7?

Do Macon-atlanta State Bank ATMs accept cash deposits?

Can Macon-atlanta State Bank customers use other ATMs?

Do Macon-atlanta State Bank branches have notaries?

Will Macon-atlanta State Bank notarize my document?

What address for Macon-atlanta State Bank should I put for incoming ACH transfers?

Will the Macon-atlanta State Bank branch print checks?

Do Macon-atlanta State Bank checks expire?

Does Macon-atlanta State Bank require US citizenship to open account?

Can Macon-atlanta State Bank close my account?

Does Macon-atlanta State Bank Report to credit bureaus?

Does Macon-atlanta State Bank Use Equifax?

What is Macon-atlanta State Bank's ACH Routing Number?

What is Macon-atlanta State Bank's SWIFT code?


Does Macon-atlanta State Bank offer mortgages?

Compare mortgage rates here.

Does Macon-atlanta State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Macon-atlanta State Bank offer personal loans?

Compare personal loan rates here.

Does Macon-atlanta State Bank offer student loans?

Will Macon-atlanta State Bank cash a check?

Will Macon-atlanta State Bank redeem a savings bond?

Does Macon-atlanta State Bank cash savings bonds?

Will Macon-atlanta State Bank cash money orders?

Can Macon-atlanta State Bank issue a money order?

Does Macon-atlanta State Bank do currency exchange?

Background on The Bank

Who owns Macon-atlanta State Bank?

How long has Macon-atlanta State Bank been around?

Can Macon-atlanta State Bank transfer to other banks?

Does Macon-atlanta State Bank have quick pay?

Does Macon-atlanta State Bank accept rolled coins?

Will Macon-atlanta State Bank accept loose change?

Where is Macon-atlanta State Bank headquarters?

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