Madison County Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Madison County Bank of Madison, NE against its peer group of 2757 similarly-sized US banks as of Q2 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 | 1.37% | 1.25% | +0.12% | 55th above |
| ROAE | 9.06% | 12.22% | -3.16% | 30th below |
| Net Interest Margin | 3.03% | 3.95% | -0.92% | 10th bottom |
| Efficiency Ratio | 49.22% | 63.71% | -14.49% | 82nd top |
| PPNR / Avg Assets | 1.66% | — | — | 54th above |
| Yield on Earning Assets | 5.34% | 5.67% | -0.33% | 37th below |
| Cost of Funds | 2.54% | 1.87% | +0.67% | 14th bottom |
| Net Interest Spread | 2.45% | — | — | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.88% | -0.51% | 52nd above |
| NPA / Total Assets | 0.28% | — | — | 53rd above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.38% | — | — | 71st above |
| ACL / NPLs (Coverage) | 369.35% | — | — | 63rd above |
| Texas Ratio | 1.77% | 5.96% | -4.19% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 18.29% | 17.18% | +1.11% | 70th above |
| Tier 1 Ratio | 18.29% | 17.21% | +1.08% | 70th above |
| Total Capital Ratio | 19.54% | — | — | 71st above |
| Leverage Ratio | 15.11% | 11.75% | +3.36% | 87th top |
| Equity / Assets | 15.12% | 10.98% | +4.14% | 88th top |
| TCE / Tangible Assets | 14.91% | — | — | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.27% | 80.44% | +15.83% | 16th bottom |
| Core Deposit Ratio | 98.11% | 86.95% | +11.16% | 96th top |
| Wholesale Funding Ratio | 5.61% | — | — | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.70% | — | — | 22nd bottom |
| Loan Growth (Y/Y) | 0.23% | — | — | 23rd bottom |
| Deposit Growth (Y/Y) | 2.80% | — | — | 41st below |
See Madison County Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Madison County Bank, 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 Madison County Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Madison County Bank peer analysis.