Madison County Community Bank
Total assets
$211.7M
▲ +8.6% YoY
Deposits
$196.9M
▲ +7.5% YoY
Loans
$116.5M
▲ +18.9% YoY
Offices
2
MADISON CMTY BANCSHARES CORP
ROA (annualized)
0.83%
peers 1.24%
ROE (annualized)
13.45%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.2 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +18.9% | +5.6% | +13.3 pts |
| ROA | 0.83% | 1.24% | -0.4 pts |
| ROE | 13.4% | 11.9% | +1.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
Profile
- Established
- 1999
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MADISON CMTY BANCSHARES CORP
- Specialization
- Commercial Lending Specialization
- Address
- 301 E Base St, Madison, FL, 32340
- County
- Madison
- Offices
- 2
- FDIC cert #
- 35056
- RSSD ID
- 2805928
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $211.7M | $196.9M | $116.5M | $13.1M | $858K | 0.83% | 3.86% | 0.18% |
| Q1 2026 | $210.0M | $196.3M | $107.9M | $12.2M | $380K | 0.74% | 3.75% | 0.12% |
| Q4 2025 | $202.3M | $188.0M | $105.1M | $13.0M | $1.6M | 0.83% | 3.81% | 0.13% |
| Q3 2025 | $203.9M | $190.3M | $100.1M | $11.9M | $1.2M | 0.81% | 3.79% | 0.14% |
| Q2 2025 | $194.9M | $183.2M | $98.0M | $10.2M | $743K | 0.77% | 3.71% | 0.16% |
| Q1 2025 | $194.8M | $182.9M | $88.9M | $9.9M | $311K | 0.64% | 3.57% | 0.17% |
| Q4 2024 | $191.2M | $179.8M | $81.9M | $9.3M | $1.3M | 0.69% | 3.51% | 0.21% |
| Q3 2024 | $185.3M | $172.3M | $81.8M | $10.9M | $794K | 0.58% | 3.46% | 0.14% |
Loan mix (Q2 2026): real estate $96.8M · commercial $14.1M · consumer $1.7M · securities $65.6M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% | 45th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 62.9% | 73th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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