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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

$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

4.81%Q2 ’244.76%Q2 ’254.95%Q2 ’26+5%+5%

Non-interest income vs. expense

2.97%Q2 ’242.80%Q2 ’252.87%Q2 ’26-13%+4%

Executive Summary

  • Earnings: ROA of 0.91%, up 2 bps year over year; NIM at 3.46%.
  • 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 (quarter, annualized)

0.91%+2 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+16 bps YoY

Efficiency Ratio (quarter, annualized)

70.12%-94 bps YoY

Tier 1 Leverage Ratio

8.42%-7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.91%0.87%0.74%0.91%+2 bps
Return on Equity17.27%16.46%14.25%12.08%15.13%-214 bps
Net Interest Margin3.29%3.43%3.35%3.27%3.46%+16 bps
Efficiency Ratio71.06%70.94%69.80%74.06%70.12%-94 bps
Non-Interest Burden2.15%2.26%2.16%2.27%2.23%+8 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 / Loans0.03%0.02%0.04%0.01%0.00%-4 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