Bank of Madison: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 311.78 percentage points higher than in Q2 2026, at 2277.88%. Within Georgia, Bank of Madison is 37th of 121 on return on assets, 1.87% as of Q3 2026, above the middle of the field. Bank of Madison reported 1.87% on return on assets for Q3 2026, 0.62 points above the 1.25% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 15.12% |
| Tier 1 risk-based capital ratio | 15.12% |
| Total risk-based capital ratio | 16.37% |
| Tier 1 leverage ratio | 11.96% |
| Equity capital to assets | 10.44% |
| Tangible equity to tangible assets | 10.44% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.52% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 2277.88% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.87% |
| Return on equity | 18.17% |
| Net interest margin | 4.58% |
| Efficiency ratio | 46.00% |
| Yield on earning assets | 6.28% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 83.49% |
| Core deposits to total deposits | 87.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.67% |
| Securities to assets | 16.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 13.03% | 13.03% | 14.28% | 9.94% | 1.25% |
| Q1 2024 | 13.16% | 13.16% | 14.41% | 10.15% | 1.14% |
| Q2 2024 | 13.46% | 13.46% | 14.71% | 10.41% | 1.47% |
| Q3 2024 | 13.93% | 13.93% | 15.18% | 10.73% | 1.24% |
| Q4 2024 | 13.54% | 13.54% | 14.79% | 10.45% | 1.34% |
| Q1 2025 | 13.52% | 13.52% | 14.77% | 10.94% | 1.47% |
| Q2 2025 | 13.59% | 13.59% | 14.84% | 10.66% | 1.35% |
| Q3 2025 | 13.98% | 13.98% | 15.23% | 11.11% | 1.78% |
| Q4 2025 | 13.66% | 13.66% | 14.91% | 10.91% | 1.58% |
| Q1 2026 | 14.17% | 14.17% | 15.43% | 11.38% | 1.99% |
| Q2 2026 | 14.61% | 14.61% | 15.86% | 11.59% | 1.74% |
| Q3 2026 | 15.12% | 15.12% | 16.37% | 11.96% | 1.87% |
Bank of Madison vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Madison, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Madison profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 148) · FFIEC NIC profile (RSSD 752831)