BanksMADISON COUNTY BANK

MADISON COUNTY BANK

MADISON, NEMediumEst. Jan. 1, 1888, midnightFDIC #31999RSSD #385471FED
Latest · 2025-12-31

MADISON COUNTY BANK is an 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%. CET1 capital ratio: 17.49%, well above regulatory minimums. NPL ratio: 0.15% · Texas Ratio: 0.71%. Operates 6 domestic branches.

Assets
$626M
Deposits
$457M
Loans
$473M
Equity
$91M

Profitability

Return on Assets (ROA)1.19%
Return on Equity (ROE)8.18%
Net Interest Margin2.80%
Yield on Assets5.31%
Cost of Funds2.74%

Asset Quality

NPL Ratio0.15%
Net Charge-Off Ratio0.00%
Texas Ratio0.71%
NPA Ratio0.11%
ACL / Loans1.35%

Capital & Liquidity

CET1 Ratio17.49%
Tier 1 Capital17.49%
Total Capital Ratio18.73%
Leverage Ratio14.68%
Loan-to-Deposit103.48%

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