Side-by-side · Q2 2026 data
Macon Bank and Trust Company vs Legends Bank
Metric by metric
| Measure | Macon Bank and Trust Company | Legends Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 49 | 50 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 65 (stronger) | 62 |
| Funding & liquidity | 74 (stronger) | 56 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 53rd | 47th |
| Total assets | $820.5M | $927.7M |
| Deposits / shares | $751.5M | $824.1M |
| Capital ratio | 9.91% | 9.98% (stronger) |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.13% (stronger) | 1.04% |
| Loans ÷ deposits | 67.8% (stronger) | 80.4% |
| Uninsured deposits | 31.4% (stronger) | 36.2% |
| Offices | 8 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.4% |
Macon Bank and Trust Company has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Macon Bank and Trust Company leads on 4 and Legends Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.