Bank of Madison

Madison, GA · Cert 148 · Peer group: banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19-20) · Madison Bank Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$448.1MAssets

$326.6MLoans

$398.1MDeposits

$46.4MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 89% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 3 of 19).
Widest gap: equity / assets trails 65% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (rank 13 of 20).
Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.85%

Rank 5 of 20

Net Interest Margin

4.31%

Rank 8 of 20

Efficiency Ratio

46.52%

Rank 5 of 20

Equity / Assets

10.36%

Rank 13 of 20

Unfavorable gap of $8.4M · efficiency ratio beats 80% of banks under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.85%	1.08%	1.42%	1.85%	Beats 75%	5 / 20
Return on Equity	17.85%	9.57%	13.48%	17.30%	Beats 85%	3 / 20
Net Interest Margin	4.31%	3.38%	3.99%	4.50%	Beats 60%	8 / 20
Efficiency Ratio	46.52%	47.39%	61.42%	73.60%	Beats 80%	5 / 20
Asset Quality
Nonperforming Loans / Loans	0.02%	0.05%	0.79%	1.63%	Beats 89%	3 / 19
Net Charge-Offs / Loans	0.00%	n/a	0.00%	0.03%	Beats 58%	9 / 19
Capital
Tier 1 Capital Ratio	14.61%	13.64%	16.79%	19.57%	Beats 35%	13 / 20
Total Risk-Based Capital Ratio	15.86%	14.77%	17.61%	20.82%	Beats 35%	13 / 20
Equity / Assets	10.36%	9.66%	10.94%	13.62%	Beats 35%	13 / 20
Liquidity & Funding
Loans / Deposits	82.05%	70.35%	84.66%	95.83%	40th pctl	12 / 20
Loans / Assets	72.89%	62.58%	72.89%	77.86%	50th pctl	10 / 20
Brokered Deposits / Deposits	n/a	Not reported for this institution