Madison, NE · Cert 31999 · Madison County Financial Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 1.03% | 1.07% | 1.31% | 1.33% | +35 bps | |
| Return on Equity | 6.90% | 7.18% | 7.44% | 8.81% | 8.93% | +203 bps | |
| Net Interest Margin | 2.31% | 2.33% | 2.39% | 2.70% | 2.72% | +42 bps | |
| Efficiency Ratio | 57.49% | 56.36% | 55.76% | 50.71% | 50.68% | -681 bps | |
| Non-Interest Burden | 1.14% | 1.11% | 1.12% | 1.14% | 1.11% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.16% | 2.43% | 0.67% | -0.31% | 0.70% | -146 bps | |
| Loan Growth (YoY) | 2.71% | 3.35% | 0.70% | -0.37% | 0.23% | -248 bps | |
| Deposit Growth (YoY) | 1.82% | 0.44% | -2.65% | 1.66% | 2.80% | +98 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.15% | 0.15% | 0.37% | 0.37% | +23 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.38% | 1.37% | 1.35% | 1.40% | 1.38% | 0 bps | |
| Allowance Coverage of NPLs | 9.5x | 9.5x | 9.2x | 3.8x | 3.7x | -5.8x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.52% | 14.61% | 14.68% | 14.90% | 15.11% | +60 bps | |
| Total Risk-Based Capital | 19.11% | 19.09% | 18.73% | 19.60% | 19.54% | +43 bps | |
| Equity / Assets | 14.52% | 14.60% | 14.47% | 15.18% | 15.12% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.74% | 100.89% | 103.48% | 93.94% | 96.27% | -247 bps | |
| Liquid Assets / Assets | 15.21% | 15.00% | 14.40% | 14.91% | 14.70% | -51 bps | |
| CRE / Total Capital | n/a | 60.10% | 60.53% | 59.00% | n/a | n/a | |