Madison County Bank
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Data as of · sourced from FFIEC call reports. How we update
Madison County Bank is an FDIC-insured commercial bank headquartered in Madison, NE, established in 1888 (FDIC certificate 31999), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $613.2M, up 0.7% from Q2 2025, the 30th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 18.29% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 31999
- Headquarters
- Madison, NE
- Established
- 1888
- Total assets, Q2 2026
- $613.2M
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 18.29%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 304972038
- Holding company
- MADISON COUNTY FINANCIAL, INC.
- Asset rank in state
- 30th of 138 in Nebraska
Madison County Bank, based in Madison, Nebraska, reported $613 million in assets at June 30, 2026. It keeps 3.03 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it funds 15.11% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $2.1 million, 39% above the same quarter a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.37% of loans, against 0.15% a year earlier. Funding is the softer spot: it pays an average of 2.54% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Madison County Bank reported a CET1 capital ratio of 18.29%, a return on assets of 1.37%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 1.77%. The figures come from its call report filed with the FFIEC.
Madison County Bank ranks as the 30th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $613.2M, loans rose 1.0% and deposits fell 1.4%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 42.2% of total loans, ahead of 1-4 family residential loans at 32.5%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in NE; its Norfolk 2 offices book 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Madison County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 W 3rd St, Madison, NE 68748
- County
- Madison
- Metro Area
- Norfolk, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1888
- Former names
- Madison County Bank, FSB (1995-1999)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 52
- Domestic deposits
- $479.2M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $610.9M
- Average total loans
- $447.0M
- Average interest-bearing deposits
- $439.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31999
- Fed RSSD
- 385471
- SEC CIK
- 1547635 → filed by MADISON COUNTY FINANCIAL, INC.
- Website
- www.madisoncountybank.com →
- Parent Holding Company
- MADISON COUNTY FINANCIAL, INC. (RSSD 4441414)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Madison County Bank's total assets ranged from $587.1M (Q1 2024) to $626.4M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$613.2M total assets against $608.9M; $520.5M total liabilities against $520.5M.
$455.0M net loans and leases against $453.9M; $479.2M total deposits against $466.2M.
$116.3M securities against $112.6M; $5.0M cash and balances due against $5.7M.
$7.5M total interest income against $7.3M; $3.3M total interest expense against $3.7M.
$4.2M net interest income against $3.6M.
$995K total noninterest income against $692K; $2.6M total noninterest expense against $2.5M.
$2K provision for credit losses against -$5K.
$2.1M net income against $1.5M.
1.37% return on assets against 0.99%; 3.03% net interest margin against 2.56%.
18.29% CET1 capital ratio against 17.86%; 15.11% tier 1 leverage ratio against 14.52%.
Inside the full Madison County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Madison County Bank rankings
Its closest position to the top of a national ranking is 727 of 3,606, for efficiency ratio; its furthest is 2,353 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q3 2024) to 1.37% (Q2 2026) and its net interest margin ran from 2.11% (Q3 2024) to 3.03% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.29% | 1.37% | 0.37% | 1.77% | 3.03% |
| Q1 2026 | 18.35% | 1.31% | 0.37% | 1.74% | 2.93% |
| Q4 2025 | 17.49% | 1.20% | 0.15% | 0.72% | 2.82% |
| Q3 2025 | 17.84% | 1.13% | 0.15% | 0.71% | 2.61% |
| Q2 2025 | 17.86% | 0.99% | 0.15% | 0.72% | 2.56% |
| Q1 2025 | 17.74% | 1.00% | 0.15% | 0.74% | 2.46% |
| Q4 2024 | 17.21% | 0.77% | 0.16% | 0.82% | 2.38% |
| Q3 2024 | 17.84% | 0.65% | 0.17% | 0.86% | 2.11% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Norfolk Branch | Norfolk , NE | 68701 | $150.0M |
| Albion Branch | Albion , NE | 68620 | $110.5M |
| Madison County Bank (main office) | Madison , NE | 68748 | $102.0M |
| Norfolk North Branch | Norfolk , NE | 68701 | $56.0M |
| Winside State Bank Branch | Winside , NE | 68790 | $32.6M |
| Plainview Branch | Plainview , NE | 68769 | $28.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 13, 2015 | Structure Change | Acquired Winside State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2005 | Structure Change | Acquired The First National Bank of Albion Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in NE, rank 39 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $239K approved, $239K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Madison County Bank
What are Madison County Bank's total assets?
As of the Q2 2026 filing, Madison County Bank reported total assets of $613.2 million in its FFIEC call report.
Where is Madison County Bank headquartered?
It is headquartered in Madison, NE, United States.
When was Madison County Bank founded?
It was established in 1888, per the FDIC institution directory.
Is Madison County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Madison County Bank?
Madison County Bank's primary federal regulator is the Federal Reserve.
What is Madison County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.29% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Madison County Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Madison County Bank's Texas Ratio?
Its Texas Ratio is 1.77% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Madison County Bank previously called?
The charter now named Madison County Bank has also operated as Madison County Bank, FSB (1995-1999), per FDIC structure-change records.
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