Madison, FL · Cert 35056 · Madison Cmty Bancshares Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 1.02% | 0.64% | 0.89% | 0.91% | 0.87% | 0.74% | 0.91% | +2 bps | |
| Return on Equity | 12.89% | 18.98% | 12.97% | 17.27% | 16.46% | 14.25% | 12.08% | 15.13% | -214 bps | |
| Net Interest Margin | 3.15% | 3.25% | 3.07% | 3.29% | 3.43% | 3.35% | 3.27% | 3.46% | +16 bps | |
| Efficiency Ratio | 76.02% | 64.44% | 78.52% | 71.06% | 70.94% | 69.80% | 74.06% | 70.12% | -94 bps | |
| Non-Interest Burden | 2.24% | 1.87% | 2.27% | 2.15% | 2.26% | 2.16% | 2.27% | 2.23% | +8 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% | 0.75% | 0.00% | 0.03% | 0.02% | 0.04% | 0.01% | 0.00% | -4 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 | |