BANK OF MADISON

MADISON, GA | Small | Est. Jan. 1, 1890, midnight | FDIC #148 | RSSD #752831 | FDIC
Latest Report: 2025-12-31

BANK OF MADISON is asn small FDIC-insured commercial bank headquartered in MADISON, GA, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $426M and total deposits of $380M. Profitability stands at 1.62% ROA and 16.26% ROE, with a net interest margin of 4.90%. The bank's CET1 capital ratio is 13.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.15%. FDIC Certificate #148.

Assets

$426M

Deposits

$380M

Loans

$320M

Equity

$43M

Profitability

Return on Assets (ROA) 1.62%
Return on Equity (ROE) 16.26%
Net Interest Margin (NIM) 4.90%
Yield on Assets 6.84%
Cost of Funds 2.00%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio -0.04%
Texas Ratio 0.15%
NPA Ratio 0.02%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 13.66%
Tier 1 Capital 13.66%
Total Capital Ratio 14.91%
Leverage Ratio 10.91%
Loan-to-Deposit 84.26%

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