| Metric | Madison County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.9% | -4.2 pts |
| Deposit growth (YoY) | +2.8% | +4.3% | -1.5 pts |
| Loan growth (YoY) | +0.2% | +5.3% | -5.1 pts |
| ROA | 1.33% | 1.28% | +0.1 pts |
| ROE | 8.9% | 12.4% | -3.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $613.2M | $479.2M | $455.0M | $92.7M | $4.1M | 1.33% | 2.90% | 0.28% |
| Q1 2026 | $603.6M | $486.2M | $450.4M | $91.6M | $2.0M | 1.31% | 2.88% | 0.28% |
| Q4 2025 | $626.4M | $457.1M | $466.6M | $90.6M | $6.6M | 1.07% | 2.56% | 0.11% |
| Q3 2025 | $613.1M | $459.9M | $457.6M | $89.5M | $4.7M | 1.03% | 2.49% | 0.11% |
| Q2 2025 | $608.9M | $466.2M | $453.9M | $88.4M | $3.0M | 0.99% | 2.45% | 0.11% |
| Q1 2025 | $605.5M | $478.3M | $452.1M | $87.5M | $1.5M | 0.99% | 2.39% | 0.11% |
| Q4 2024 | $622.2M | $469.5M | $463.3M | $86.4M | $3.9M | 0.64% | 2.04% | 0.12% |
| Q3 2024 | $598.6M | $457.8M | $442.5M | $86.0M | $2.7M | 0.60% | 1.95% | 0.13% |
Loan mix (Q2 2026): real estate $399.3M · commercial $5.7M · consumer $5.3M · securities $116.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Madison County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.28% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.7% | 61.2% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Madison County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Madison County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Madison County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Madison County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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