MADISON COUNTY BANK

MADISON, NE | Medium | Est. Jan. 1, 1888, midnight | FDIC #31999 | RSSD #385471 | FED
Latest Report: 2025-12-31

MADISON COUNTY BANK is amn medium FDIC-insured commercial bank headquartered in MADISON, NE, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $626M and total deposits of $457M. Profitability stands at 1.19% ROA and 8.18% ROE, with a net interest margin of 2.80%. The bank's CET1 capital ratio is 17.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 0.71%. FDIC Certificate #31999.

Assets

$626M

Deposits

$457M

Loans

$473M

Equity

$91M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 8.18%
Net Interest Margin (NIM) 2.80%
Yield on Assets 5.31%
Cost of Funds 2.74%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio --
Texas Ratio 0.71%
NPA Ratio 0.11%
ACL / Loans 1.35%

Capital & Liquidity

CET1 Ratio 17.49%
Tier 1 Capital 17.49%
Total Capital Ratio 18.73%
Leverage Ratio 14.68%
Loan-to-Deposit 103.48%

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