Madison, GA · Cert 148 · Madison Bank Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.2% share · #35 of 81 inst. · $0.4B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.32% | 1.48% | 1.43% | 1.56% | 1.58% | 2.01% | 1.88% | +45 bps | |
| Return on Equity | 15.14% | 15.26% | 16.37% | 15.77% | 16.80% | 16.73% | 20.07% | 18.56% | +279 bps | |
| Net Interest Margin | 3.74% | 3.74% | 3.89% | 3.81% | 3.94% | 4.03% | 4.33% | 4.31% | +49 bps | |
| Efficiency Ratio | 56.45% | 57.04% | 54.24% | 55.56% | 53.55% | 54.35% | 44.14% | 46.52% | -904 bps | |
| Non-Interest Burden | 1.98% | 2.00% | 2.00% | 2.01% | 1.92% | 2.02% | 1.77% | 1.87% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.88% | -1.86% | 5.13% | 5.72% | 4.23% | 6.82% | 3.96% | 2.97% | -275 bps | |
| Loan Growth (YoY) | 9.13% | 4.29% | 3.00% | 2.93% | 3.93% | 8.34% | 6.88% | 7.21% | +428 bps | |
| Deposit Growth (YoY) | 4.85% | -2.78% | 4.40% | 5.24% | 3.59% | 5.78% | 3.00% | 1.78% | -346 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.04% | 0.04% | 0.04% | 0.05% | 0.02% | 0.02% | 0.02% | -2 bps | |
| Net Charge-Offs / Loans | -0.04% | -0.03% | 0.00% | -0.09% | -0.06% | -0.04% | 0.00% | 0.00% | +9 bps | |
| Allowance / Loans | 1.42% | 1.50% | 1.49% | 1.50% | 1.49% | 1.46% | 1.47% | 1.44% | -7 bps | |
| Allowance Coverage of NPLs | 31.5x | 34.0x | 37.0x | 41.7x | 30.2x | 66.9x | 72.1x | 81.0x | +39.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.73% | 10.45% | 10.94% | 10.66% | 11.11% | 10.91% | 11.38% | 11.59% | +93 bps | |
| Total Risk-Based Capital | 15.18% | 14.79% | 14.77% | 14.84% | 15.23% | 14.91% | 15.43% | 15.86% | +102 bps | |
| Equity / Assets | 9.31% | 9.10% | 8.94% | 9.12% | 9.91% | 10.06% | 9.93% | 10.36% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.68% | 82.27% | 76.63% | 77.90% | 79.95% | 84.26% | 79.52% | 82.05% | +416 bps | |
| Liquid Assets / Assets | 3.42% | 3.55% | 3.27% | 3.24% | 6.72% | 6.86% | 8.31% | 8.37% | +513 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 309% | 336% | 315% | n/a | n/a | |