Madison County Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
In Q2 2026, Equity capital to average assets edged up by 0.20 percentage points, from 14.97% to 15.17%, the largest move among the key lines here. Within Nebraska, Madison County Bank is 11th of 57 on CET1 ratio, 18.29% as of Q2 2026. Madison County Bank reported 18.29% on CET1 ratio for Q2 2026, 3.20 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.29% |
| Tier 1 risk-based capital ratio | 18.29% |
| Total risk-based capital ratio | 19.54% |
| Tier 1 leverage ratio | 15.11% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $92.1M |
| Tier 1 capital | $92.1M |
| Total risk-based capital | $98.4M |
| Total equity capital | $92.7M |
| Risk-weighted assets | $503.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.12% |
| Tangible equity to tangible assets | 14.91% |
| Equity capital to average assets | 15.17% |
| Internal capital growth rate | 4.73% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1K |
| Common stock surplus | $29.6M |
| Retained earnings | $63.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$880K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 17.61% | 17.61% | 18.86% | 14.31% | $476.1M |
| Q4 2023 | 17.39% | 17.39% | 18.64% | 14.17% | $487.0M |
| Q1 2024 | 17.93% | 17.93% | 19.19% | 14.26% | $470.0M |
| Q2 2024 | 17.89% | 17.89% | 19.15% | 14.42% | $474.6M |
| Q3 2024 | 17.84% | 17.84% | 19.09% | 14.34% | $478.9M |
| Q4 2024 | 17.21% | 17.21% | 18.46% | 14.34% | $500.7M |
| Q1 2025 | 17.74% | 17.74% | 18.99% | 14.44% | $491.1M |
| Q2 2025 | 17.86% | 17.86% | 19.11% | 14.52% | $492.1M |
| Q3 2025 | 17.84% | 17.84% | 19.09% | 14.61% | $498.1M |
| Q4 2025 | 17.49% | 17.49% | 18.73% | 14.68% | $514.0M |
| Q1 2026 | 18.35% | 18.35% | 19.60% | 14.90% | $496.1M |
| Q2 2026 | 18.29% | 18.29% | 19.54% | 15.11% | $503.7M |
Madison County Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Madison County Bank, freeSource: Call Report Schedule RC-R, 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 Madison County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31999) · FFIEC NIC profile (RSSD 385471)