Bank of Madison: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Madison of Madison, GA against its peer group of 2672 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.87% | 1.25% | +0.62% | 70th above |
| ROAE | 18.17% | 13.24% | +4.93% | 77th top |
| Net Interest Margin | 4.58% | 3.95% | +0.63% | 74th above |
| Efficiency Ratio | 46.00% | 61.22% | -15.22% | 82nd top |
| PPNR / Avg Assets | 2.55% | — | — | 90th top |
| Yield on Earning Assets | 6.28% | 5.68% | +0.60% | 79th top |
| Cost of Funds | 1.91% | 1.88% | +0.03% | 31st below |
| Net Interest Spread | 3.71% | — | — | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 72nd above |
| NPA / Total Assets | 0.05% | — | — | 70th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 43rd below |
| ACL / Total Loans | 1.43% | — | — | 66th above |
| ACL / NPLs (Coverage) | 2277.88% | — | — | — |
| Texas Ratio | 0.52% | 7.40% | -6.88% | 70th above |
| Provision / NCO | 2750.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.12% | 17.09% | -1.97% | 30th below |
| Tier 1 Ratio | 15.12% | 17.12% | -2.00% | 30th below |
| Total Capital Ratio | 16.37% | — | — | 30th below |
| Leverage Ratio | 11.96% | 11.73% | +0.23% | 56th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.44% | 10.96% | -0.52% | 51st above |
| TCE / Tangible Assets | 10.44% | — | — | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.49% | 80.60% | +2.89% | 28th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.17% | 86.92% | +0.25% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.16% | — | — | 44th below |
| Loan Growth (Y/Y) | 7.38% | — | — | 64th above |
| Deposit Growth (Y/Y) | 2.82% | — | — | 44th below |
See Bank of Madison's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Madison, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Madison profile, how to read a UBPR, or how this data updates.