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Madison County Bank

Madison, NE · Cert 31999 · Madison County Financial Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$613.2MAssets
$461.4MLoans
$479.2MDeposits
$92.7MEquity
Loan mix
97%RE $396.1M1%C&I $5.3M1%Consumer $5.4MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $428.1M11%Noninterest $51.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.33%, up 35 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.37% of loans (+23 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.11%, up 60 bps from a year ago.
  • Funding: loans stand at 96.27% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.33%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+42 bps YoY

Efficiency Ratio (YTD, annualized)

50.68%-681 bps YoY

Tier 1 Leverage Ratio

15.11%+60 bps YoY

NIM

4.46%Q2 ’244.72%Q2 ’254.88%Q2 ’26+27%+18%

Non-interest income vs. expense

1.57%Q2 ’241.59%Q2 ’251.68%Q2 ’26-4%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.64%0.99%0.99%1.03%1.07%1.31%1.33%+35 bps
Return on Equity4.23%4.53%6.96%6.90%7.18%7.44%8.81%8.93%+203 bps
Net Interest Margin1.82%1.90%2.25%2.31%2.33%2.39%2.70%2.72%+42 bps
Efficiency Ratio70.17%69.03%56.31%57.49%56.36%55.76%50.71%50.68%-681 bps
Non-Interest Burden1.16%1.19%1.09%1.14%1.11%1.12%1.14%1.11%-4 bps
Growth
Asset Growth (YoY)0.68%2.06%3.14%2.16%2.43%0.67%-0.31%0.70%-146 bps
Loan Growth (YoY)1.50%2.77%4.50%2.71%3.35%0.70%-0.37%0.23%-248 bps
Deposit Growth (YoY)-0.70%5.12%2.51%1.82%0.44%-2.65%1.66%2.80%+98 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.16%0.15%0.15%0.15%0.15%0.37%0.37%+23 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.42%1.36%1.39%1.38%1.37%1.35%1.40%1.38%0 bps
Allowance Coverage of NPLs8.1x8.6x9.3x9.5x9.5x9.2x3.8x3.7x-5.8x
Capital
Tier 1 Leverage Ratio14.34%14.34%14.44%14.52%14.61%14.68%14.90%15.11%+60 bps
Total Risk-Based Capital19.09%18.46%18.99%19.11%19.09%18.73%19.60%19.54%+43 bps
Equity / Assets14.37%13.88%14.46%14.52%14.60%14.47%15.18%15.12%+60 bps
Liquidity & Funding
Loans / Deposits98.05%100.04%95.86%98.74%100.89%103.48%93.94%96.27%-247 bps
Liquid Assets / Assets15.79%14.98%15.33%15.21%15.00%14.40%14.91%14.70%-51 bps
CRE / Total Capitaln/an/an/an/a60.10%60.53%59.00%n/an/a