Madison County Community Bank
Madison, FL · Cert 35056 · Peer group: banks under $1B in assets (n=570-617) · 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 73% of banks under $1B in assets (rank 165 of 617).
- Widest gap: equity / assets trails 98% of banks under $1B in assets (rank 605 of 617).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.81%
Rank 403 of 617
Net Interest Margin
3.33%
Rank 378 of 617
Efficiency Ratio
72.01%
Rank 375 of 617
Equity / Assets
6.19%
Rank 605 of 617
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 39% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.60% | 1.01% | 1.45% | Beats 35% | 403 / 617 | |
| Return on Equity | 13.09% | 5.30% | 9.43% | 13.30% | Beats 73% | 165 / 617 | |
| Net Interest Margin | 3.33% | 3.04% | 3.54% | 4.05% | Beats 39% | 378 / 617 | |
| Efficiency Ratio | 72.01% | 58.03% | 67.76% | 79.08% | Beats 39% | 375 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.09% | 0.47% | 1.27% | Beats 59% | 232 / 570 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 54% | 262 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 13.91% | 11.18% | 13.83% | 18.55% | Beats 51% | 303 / 617 | |
| Total Risk-Based Capital Ratio | 15.16% | 11.56% | 14.39% | 19.39% | Beats 54% | 281 / 617 | |
| Equity / Assets | 6.19% | 9.03% | 10.55% | 13.63% | Beats 2% | 605 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 60.02% | 64.77% | 79.70% | 93.06% | 20th pctl | 467 / 582 | |
| Loans / Assets | 55.84% | 51.70% | 67.18% | 77.51% | 30th pctl | 434 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |