Madison, FL · Cert 35056 · Madison Cmty Bancshares Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
37
Asset Quality
58
Profitability
44
Liquidity
43
Efficiency
32
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.
Madison, FL · Cert 35056 · Madison Cmty Bancshares Corp.
State charter, non-member · FDIC · 2 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.69% | 0.64% | 0.77% | 0.81% | 0.83% | 0.74% | 0.83% | +6 bps | |
| Return on Equity | 11.19% | 13.51% | 12.97% | 15.19% | 15.47% | 15.12% | 12.08% | 13.45% | -174 bps | |
| Net Interest Margin | 3.01% | 3.02% | 3.07% | 3.16% | 3.20% | 3.22% | 3.27% | 3.33% | +17 bps | |
| Efficiency Ratio | 79.85% | 75.68% | 78.52% | 74.64% | 73.34% | 72.42% | 74.06% | 72.01% | -263 bps | |
| Non-Interest Burden | 2.30% | 2.15% | 2.27% | 2.20% | 2.18% | 2.16% | 2.27% | 2.23% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.97% | 6.49% | 6.73% | 6.41% | 9.99% | 5.82% | 7.82% | 8.59% | +218 bps | |
| Loan Growth (YoY) | -1.48% | 4.22% | 15.13% | 20.99% | 21.87% | 27.90% | 21.15% | 18.72% | -227 bps | |
| Deposit Growth (YoY) | 5.00% | 13.48% | 12.97% | 9.63% | 10.45% | 4.52% | 7.32% | 7.50% | -213 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.36% | 0.33% | 0.29% | 0.25% | 0.21% | 0.20% | 0.30% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.19% | 0.00% | 0.02% | 0.02% | 0.02% | 0.01% | 0.00% | -2 bps | |
| Allowance / Loans | 2.04% | 1.85% | 1.72% | 1.58% | 1.58% | 1.53% | 1.54% | 1.48% | -10 bps | |
| Allowance Coverage of NPLs | 6.4x | 5.1x | 5.2x | 5.4x | 6.2x | 7.2x | 7.6x | 5.0x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.86% | 8.90% | 8.39% | 8.49% | 8.49% | 8.65% | 8.37% | 8.42% | -7 bps | |
| Total Risk-Based Capital | 16.80% | 16.78% | 15.48% | 14.75% | 15.05% | 15.39% | 15.53% | 15.16% | +41 bps | |
| Equity / Assets | 5.90% | 4.89% | 5.06% | 5.21% | 5.84% | 6.43% | 5.79% | 6.19% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.46% | 46.42% | 49.43% | 54.34% | 53.47% | 56.80% | 55.79% | 60.02% | +568 bps | |
| Liquid Assets / Assets | 6.48% | 7.34% | 6.70% | 2.85% | 7.06% | 4.56% | 7.80% | 5.30% | +245 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 344% | 340% | 337% | n/a | n/a | |
Madison, FL · Cert 35056 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Madison Cmty Bancshares Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.81%
Rank 512 of 746
Net Interest Margin
3.33%
Rank 515 of 746
Efficiency Ratio
72.01%
Rank 509 of 746
Equity / Assets
6.19%
Rank 725 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.81% | 0.72% | 1.06% | 1.45% | Beats 31% | 512 / 746 | ||
| Return on Equity | 13.09% | 6.74% | 10.51% | 13.63% | Beats 70% | 222 / 746 | ||
| Net Interest Margin | 3.33% | 3.17% | 3.68% | 4.16% | Beats 31% | 515 / 746 | ||
| Efficiency Ratio | 72.01% | 55.74% | 64.58% | 75.47% | Beats 32% | 509 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.09% | 0.42% | 1.07% | Beats 59% | 302 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 56% | 327 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.91% | 11.55% | 13.75% | 17.60% | Beats 51% | 363 / 746 | ||
| Total Risk-Based Capital Ratio | 15.16% | 11.71% | 14.33% | 18.43% | Beats 57% | 321 / 746 | ||
| Equity / Assets | 6.19% | 8.90% | 10.51% | 13.06% | Beats 3% | 725 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.02% | 61.31% | 78.27% | 90.78% | 22nd pctl | 579 / 746 | ||
| Loans / Assets | 55.84% | 53.60% | 66.97% | 76.08% | 29th pctl | 533 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||