MADISON COUNTY COMMUNITY BANK

MADISON, FL | Small | Est. May 5, 1999, midnight | FDIC #35056 | RSSD #2805928 | FDIC
Latest Report: 2025-12-31

MADISON COUNTY COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in MADISON, FL, established in May 5, 1999, midnight. As of 2025-12-31, the bank reported total assets of $202M and total deposits of $188M. Profitability stands at 0.87% ROA and 14.25% ROE, with a net interest margin of 3.77%. The bank's CET1 capital ratio is 14.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.65%. FDIC Certificate #35056.

Assets

$202M

Deposits

$188M

Loans

$107M

Equity

$13M

Profitability

Return on Assets (ROA) 0.87%
Return on Equity (ROE) 14.25%
Net Interest Margin (NIM) 3.77%
Yield on Assets 5.53%
Cost of Funds 1.73%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.65%
NPA Ratio 0.12%
ACL / Loans 1.53%

Capital & Liquidity

CET1 Ratio 14.14%
Tier 1 Capital 14.14%
Total Capital Ratio 15.39%
Leverage Ratio 8.65%
Loan-to-Deposit 56.80%

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