Madison County Community Bank
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
$211.7MAssets
$118.2MLoans
$196.9MDeposits
$13.1MEquity
Executive Summary
- Strongest standing: return on equity outperforms 70% of banks under $1B in assets operating in a single state (rank 222 of 746).
- Widest gap: equity / assets trails 97% of banks under $1B in assets operating in a single state (rank 725 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 32% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |