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Madison County Community Bank

Madison, FL · Cert 35056 · Madison Cmty Bancshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

41

Q2 2024Q2 2026peer median

Efficiency

32

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Madison County Community Bank

Madison, FL · Cert 35056 · Madison Cmty Bancshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$211.7MAssets
$118.2MLoans
$196.9MDeposits
$13.1MEquity
Loan mix
84%RE $87.6M14%C&I $14.6M2%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $153.9M22%Noninterest $43.0MQ2 2025Q2 2026

NIM

4.70%Q2 ’244.61%Q2 ’254.82%Q2 ’26+4%+5%

Non-interest income vs. expense

2.92%Q2 ’242.83%Q2 ’252.83%Q2 ’26-8%+1%

Executive Summary

  • Earnings: ROA of 0.83%, up 6 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.30% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.42%, down 7 bps from a year ago.
  • Funding: loans stand at 60.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.33%+17 bps YoY

Efficiency Ratio (YTD, annualized)

72.01%-263 bps YoY

Tier 1 Leverage Ratio

8.42%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.81%0.83%0.74%0.83%+6 bps
Return on Equity15.19%15.47%15.12%12.08%13.45%-174 bps
Net Interest Margin3.16%3.20%3.22%3.27%3.33%+17 bps
Efficiency Ratio74.64%73.34%72.42%74.06%72.01%-263 bps
Non-Interest Burden2.20%2.18%2.16%2.27%2.23%+3 bps
Growth
Asset Growth (YoY)6.41%9.99%5.82%7.82%8.59%+218 bps
Loan Growth (YoY)20.99%21.87%27.90%21.15%18.72%-227 bps
Deposit Growth (YoY)9.63%10.45%4.52%7.32%7.50%-213 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.25%0.21%0.20%0.30%0 bps
Net Charge-Offs / Loans0.02%0.02%0.02%0.01%0.00%-2 bps
Allowance / Loans1.58%1.58%1.53%1.54%1.48%-10 bps
Allowance Coverage of NPLs5.4x6.2x7.2x7.6x5.0x-0.4x
Capital
Tier 1 Leverage Ratio8.49%8.49%8.65%8.37%8.42%-7 bps
Total Risk-Based Capital14.75%15.05%15.39%15.53%15.16%+41 bps
Equity / Assets5.21%5.84%6.43%5.79%6.19%+98 bps
Liquidity & Funding
Loans / Deposits54.34%53.47%56.80%55.79%60.02%+568 bps
Liquid Assets / Assets2.85%7.06%4.56%7.80%5.30%+245 bps
CRE / Total Capitaln/a344%340%337%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Madison County Community Bank

Madison, FL · Cert 35056 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Madison Cmty Bancshares Corp.

State charter, non-member · FDIC · 2 branches

Q2 2026

$211.7MAssets
$118.2MLoans
$196.9MDeposits
$13.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 71% of banks under $1B in assets operating in a single state (rank 221 of 752).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets operating in a single state (rank 732 of 752).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.81%

Rank 519 of 752

Net Interest Margin

3.33%

Rank 522 of 752

Efficiency Ratio

72.01%

Rank 513 of 752

Equity / Assets

6.19%

Rank 732 of 752

Non-interest income vs. expense

$1.3M$6.2MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 32% of banks under $1B in assets operating in a single state
Bank 72.01%Peer median 64.5%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.72%1.07%1.45%Beats 31%519 / 752
Return on Equity13.09%6.78%10.58%13.65%Beats 71%221 / 752
Net Interest Margin3.33%3.18%3.69%4.17%Beats 31%522 / 752
Efficiency Ratio72.01%55.75%64.49%75.47%Beats 32%513 / 752
Asset Quality
Nonperforming Loans / Loans0.30%0.09%0.42%1.03%Beats 58%312 / 748
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 57%322 / 748
Capital
Tier 1 Capital Ratio13.91%11.55%13.75%17.60%Beats 51%366 / 752
Total Risk-Based Capital Ratio15.16%11.70%14.33%18.47%Beats 57%326 / 752
Equity / Assets6.19%8.93%10.56%13.13%Beats 3%732 / 752
Liquidity & Funding
Loans / Deposits60.02%62.23%78.64%91.26%21st pctl592 / 752
Loans / Assets55.84%54.61%67.41%76.47%27th pctl546 / 752
Brokered Deposits / Depositsn/aNot reported for this institution