Bank call report · Madison, NE
Madison County Bank Call Report
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Madison County Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 350 reported line items, schedule by schedule (719 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 385471 |
| FDIC certificate number | 31999 |
| Total assets | $613.2M |
Official Q2 2026 call report PDF (FFIEC) →
Madison County Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · Madison County Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $613.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $613.2M |
| Total Liabilities and Minority Interest | RCON2948 | $520.5M |
| Total Deposits | RCON2200 | $479.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $461.4M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $455.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $428.1M |
| Total Equity Capital | RCON3210 | $92.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $92.7M |
| Held-to-maturity Securities, Total | RCON1754 | $90.1M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $90.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $63.9M |
| Deposits: Noninterest-bearing | RCON6631 | $51.1M |
| Other Borrowed Money | RCON3190 | $34.4M |
| Surplus | RCON3839 | $29.6M |
| Other Assets | RCON2160 | $26.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $26.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.4M |
| Other Liabilities, Total | RCON2930 | $6.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.0M |
| Intangible Assets | RCON2143 | $1.9M |
| Goodwill | RCON3163 | $1.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$880K |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $89K |
| Interest-bearing Balances | RCON0071 | $28K |
| Common Stock | RCON3230 | $1K |
Schedule RI: Income Statement (40 items)
About Schedule RI · Madison County Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $14.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $13.0M |
| Net Interest Income | RIAD4074 | $8.3M |
| Total Interest Expense | RIAD4073 | $6.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.8M |
| Total Noninterest Expense | RIAD4093 | $5.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $4.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $4.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $4.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $4.1M |
| Net Income (Loss) | RIAD4340 | $4.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $4.1M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $3.9M |
| Salaries and Employee Benefits | RIAD4135 | $3.3M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $2.5M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $2.4M |
| Total Noninterest Income | RIAD4079 | $1.7M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.4M |
| Other Noninterest Expense | RIAD4092 | $1.4M |
| Interest on Other Securities | RIAD4060 | $1.2M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.1M |
| Other Noninterest Income | RIADB497 | $889K |
| Applicable Income Taxes | RIAD4302 | $829K |
| Other Interest Expense | RIADGW44 | $676K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $535K |
| Noninterest income: Income from insurance activities | RIADHT74 | $485K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $404K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $395K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $321K |
| Other Interest Income | RIAD4518 | $304K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $223K |
| Net Servicing Fees | RIADB492 | $152K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $138K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $100K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $80K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $35K |
| Provision for Loan and Lease Losses | RIAD4230 | -$6K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$5K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 52 |
Schedule RC-B: Securities (23 items)
About Schedule RC-B · Madison County Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Amortized Cost | RCONG310 | $1.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Other Pass-through Securities: Available-for-sale Fair Value | RCONG311 | $1.5M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $90.1M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $77.0M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $77.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $68.6M |
| Pledged Securities | RCON0416 | $29.9M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $27.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $20.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $19.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $15.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $14.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $11.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $7.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $7.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $4.7M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $3.8M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $3.7M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $1.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $1.5M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $1.4M |
| Fair Value of Structured Notes | RCON8783 | $488K |
| Amortized Cost of Structured Notes | RCON8782 | $487K |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Madison County Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $461.4M |
| Pledged Loans and Leases | RCONG378 | $242.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $194.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $132.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $94.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $80.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $76.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $76.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $57.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $54.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $47.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $39.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $35.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $32.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $26.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $26.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $18.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $17.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $16.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $15.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $14.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $13.6M |
| Commercial and Industrial Loans | RCON1766 | $5.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $4.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $3.3M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $2.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $1.1M |
| Loans to Depository Institutions | RCON1288 | $705K |
| Other Loans | RCONJ464 | $100K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $7K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $15.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $9.6M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $9.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $5.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $4.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $2.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $2.5M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $2.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $898K |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 80 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 80 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 70 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 61 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 60 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 51 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 36 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 30 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 26 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 21 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 14 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 10 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · Madison County Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $316.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $302.9M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $162.9M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $160.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $120.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $45.3M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $21.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $18.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $15.2M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $13.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $12.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $11.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $9.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $9.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $9.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $7.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $5.7M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $3.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $2.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $2.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $1.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $529K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $8.1M |
| Accrued Interest Receivable | RCONB556 | $7.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $7.2M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $2.1M |
| Other Assets | RCON2168 | $1.1M |
| Net Deferred Tax Assets | RCON2148 | $772K |
| Prepaid Expenses | RCON2166 | $650K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $4.9M |
| Deferred Compensation Liabilities | RCONC011 | $4.7M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $334K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $6K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Madison County Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $610.9M |
| Quarterly Average of Total Loans | RCON3360 | $447.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $278.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $249.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $147.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $123.1M |
| All Other Securities | RCONB560 | $93.5M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $53.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $29.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $28.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $22.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $8.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $5.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.4M |
| Mortgage-backed Securities | RCONB559 | $1.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $41K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Madison County Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $64.9M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $3.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.6M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $2.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $2.1M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $499K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $275K |
Schedule RC-M: Memoranda (14 items)
About Schedule RC-M · Madison County Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $15.9M |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $15.9M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $15.9M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $10.2M |
| FHLB Advances: Structured Advances | RCONF059 | $10.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $7.5M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.1M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $800K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $800K |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $428K |
| Mortgage Servicing Assets | RCON3164 | $428K |
| All other intangible assets | RCONJF76 | $271K |
| Outstanding balance of PPP loans | RCONLG27 | $67K |
| Number of outstanding PPP Loans | RCONLG26 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Madison County Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.7M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.4M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $1.2M |
| Additions to Nonaccrual Assets | RCONC410 | $1.1M |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $526K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $390K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $300K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $173K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $145K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $135K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $110K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $75K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $45K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $8K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $4K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Madison County Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $609.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $479.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $239.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $224.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $91.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $12.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.0M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 13,742 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 514 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 424 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 8 |
| Averaging Method Used | RCONK653 | 2 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Madison County Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Madison County Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $610.9M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $609.4M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $503.7M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $98.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $92.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $92.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $92.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $92.1M |
| Retained Earnings | RCOAKW00 | $63.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $29.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $6.3M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $6.3M |
| Tier 2 Capital Before Deductions | RCOAP870 | $6.3M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $1.5M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$880K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$880K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $271K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1954 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1829 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1829 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1511 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1154 |
Schedule RC-R, Part II: Risk-Weighted Assets (65 items)
About Schedule RC-R, Part II · Madison County Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $503.9M |
| Total Risk-weighted Assets | RCONG641 | $503.7M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $358.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $358.7M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $339.8M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $292.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $291.9M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $168.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $157.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $157.4M |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $154.8M |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $151.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $150.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $114.6M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $114.6M |
| Total Held-to-maturity Securities | RCOND961 | $90.0M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $83.4M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $78.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $53.0M |
| Risk-weighted Assets by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS579 | $38.6M |
| Total All Other Assets | RCOND981 | $37.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $26.2M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $24.6M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $22.9M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $20.5M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $18.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $16.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $10.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $10.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $8.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $8.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $6.9M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $6.7M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$6.1M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $5.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $5.0M |
| Unconditionally Cancellable Commitments | RCONS540 | $4.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $3.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $3.7M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $3.7M |
| Off-balance Sheet Securitization Exposures - 1250 Pct Risk Weight Exposure, by Calculation Method | RCONS497 | $3.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 1250 Pct Risk Weight Category | RCONS568 | $3.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $2.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $2.1M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.1M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $1.5M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $1.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $1.2M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $1.2M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $1.2M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.2M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$1.1M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $1.1M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $893K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $614K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $428K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $428K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $428K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $275K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $275K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $275K |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$76K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $67K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $92.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $90.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $90.6M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.9M |
| Other Comprehensive Income | RIADB511 | -$82K |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | -$7K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (6 items)
About Schedule RI-B, Part II · Madison County Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.4M |
| Allowance for Loan and Lease Losses | RIAD3123 | $6.4M |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $76K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $76K |
| Allowance for credit losses on other financial assets measured at amortized cost | RCONJJ03 | -$11K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $1K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $154.8M |
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $144.8M |
Madison County Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Madison County Bank call report?
The Madison County Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Madison County Bank file?
Madison County Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Madison County Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Madison County Bank has Federal Reserve RSSD ID 385471 and FDIC certificate number 31999. Either one finds its filings on the FFIEC Central Data Repository.
How often does Madison County Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Madison County Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 31999) · FFIEC NIC profile (RSSD 385471)