Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

Macon Bank and Trust Company

Lafayette, TennesseeBankAtlanta Fed districtFees collected Oct 7, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Minimum balance service charge$6Within the typical range ($4–$10 nationally)

Balance service charge (qualifications are not met & balance falls below $300.00)$6

$1 below the national median$3.25 below the Tennessee median

per month · Source

Overdraft & NSFVerified

Paid Items Overdraft Fee$30Within the typical range ($25–$33 nationally)
At the national median$1 below the Tennessee median
per item · Source
Returned Items NSF Fee$30Within the typical range ($25–$32 nationally)
At the national medianAt the Tennessee median
per item · Source

Wire TransfersVerified

Sending a wire$15Below the typical range ($20–$25 nationally)
$10 below the national median$5 below the Tennessee median
Source
Sending an international wire$50Within the typical range ($40–$50 nationally)
At the national median$2.50 below the Tennessee median
Source

Other FeesVerified

Fax Charge: Incoming$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Tennessee median
Source
Fax Charge: Outgoing$8Above the typical range ($2–$5 nationally)
$5 above the national median$5 above the Tennessee median
Source
Statement Reproduction – each statement$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the Tennessee median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Minimum balance service charge	$6Within the typical range ($4–$10 nationally)	At the national median$1.95 below the Tennessee median	—	—	Source
Balance service charge (qualifications are not met & balance falls below $300.00)	$6Within the typical range ($5–$10 nationally)	$1 below the national median$3.25 below the Tennessee median	per month	—	Source
Overdraft & NSFVerified
Paid Items Overdraft Fee	$30Within the typical range ($25–$33 nationally)	At the national median$1 below the Tennessee median	per item	—	Source
Returned Items NSF Fee	$30
Wire TransfersVerified
Sending a wire	$15Below the typical range ($20–$25 nationally)	$10 below the national median$5 below the Tennessee median	—	—	Source
Sending an international wire	$50
Check ServicesVerified
Stop Payments	$20Within the typical range ($20–$30 nationally)	$7.50 below the national median$10 below the Tennessee median	per item	—	Source
Digital & ElectronicVerified
Mobile Banking with Mobile Deposit	$0Within the typical range ($0–$0 nationally)	At the national medianAt the Tennessee median	—	—	Source
Other FeesVerified
Fax Charge: Incoming	$5Within the typical range ($2–$5 nationally)	$2 above the national median$2 above the Tennessee median	—	—	Source
Fax Charge: Outgoing	$8

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

11 verified fees collected

Headline fees published

7 of 15

Published fees

Under review

Assets

$820.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$820.5M

Total deposits

$751.5M

Service charge income

$312K

Fee income ratio

4.2%

Return on assets

1.10%

Branches

Service charge income by quarter

Q2 2026$312K

Q1 2026$312K

Q4 2025$314K

Q3 2025$317K

Financial profile · Pro

Performance from regulator filings

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Based on 66,090 published fee entries from 3,612 institutions

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