Madison County Bank
Madison, NE · Cert 31999 · Peer group: banks under $1B in assets in NE (n=83) · Madison County Financial Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$613.2MAssets
$461.4MLoans
$479.2MDeposits
$92.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
- Widest gap: net interest margin trails 92% of banks under $1B in assets in NE (rank 76 of 83).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.34%
Rank 30 of 83
Net Interest Margin
2.72%
Rank 76 of 83
Efficiency Ratio
51.03%
Rank 20 of 83
Equity / Assets
15.12%
Rank 16 of 83
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 77% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.34% | 0.93% | 1.20% | 1.51% | Beats 64% | 30 / 83 | |
| Return on Equity | 8.83% | 8.04% | 10.34% | 13.11% | Beats 28% | 60 / 83 | |
| Net Interest Margin | 2.72% | 3.25% | 3.62% | 4.02% | Beats 8% | 76 / 83 | |
| Efficiency Ratio | 51.03% | 51.13% | 59.95% | 67.19% | Beats 77% | 20 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.00% | 0.19% | 0.96% | Beats 35% | 55 / 83 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 18.29% | 10.94% | 13.24% | 16.62% | Beats 81% | 16 / 83 | |
| Total Risk-Based Capital Ratio | 19.54% | 11.04% | 13.54% | 17.63% | Beats 82% | 15 / 83 | |
| Equity / Assets | 15.12% | 9.90% | 11.31% | 13.84% | Beats 81% | 16 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 96.27% | 71.97% | 83.15% | 92.22% | 86th pctl | 12 / 83 | |
| Loans / Assets | 75.24% | 57.96% | 69.15% | 77.64% | 67th pctl | 27 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |