Madison County Bank: 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 Q2 2026 was in Reserve coverage of non-performing loans: 11.19 percentage points lower than in Q1 2026, at 369.35%. Within Nebraska, Madison County Bank is 71st of 138 on return on assets, 1.37% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Madison County Bank sits 0.11 points higher, at 1.37% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.29% |
| Tier 1 risk-based capital ratio | 18.29% |
| Total risk-based capital ratio | 19.54% |
| Tier 1 leverage ratio | 15.11% |
| Equity capital to assets | 15.12% |
| Tangible equity to tangible assets | 14.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.37% |
| Non-performing assets ratio | 0.28% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.77% |
| Allowance for credit losses to loans | 1.38% |
| Reserve coverage of non-performing loans | 369.35% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.37% |
| Return on equity | 9.06% |
| Net interest margin | 3.03% |
| Efficiency ratio | 49.22% |
| Yield on earning assets | 5.34% |
| Cost of funds | 2.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.27% |
| Core deposits to total deposits | 98.11% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.15% |
| Securities to assets | 18.96% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 17.61% | 17.61% | 18.86% | 14.31% | 0.41% |
| Q4 2023 | 17.39% | 17.39% | 18.64% | 14.17% | 0.94% |
| Q1 2024 | 17.93% | 17.93% | 19.19% | 14.26% | 0.50% |
| Q2 2024 | 17.89% | 17.89% | 19.15% | 14.42% | 0.66% |
| Q3 2024 | 17.84% | 17.84% | 19.09% | 14.34% | 0.65% |
| Q4 2024 | 17.21% | 17.21% | 18.46% | 14.34% | 0.77% |
| Q1 2025 | 17.74% | 17.74% | 18.99% | 14.44% | 1.00% |
| Q2 2025 | 17.86% | 17.86% | 19.11% | 14.52% | 0.99% |
| Q3 2025 | 17.84% | 17.84% | 19.09% | 14.61% | 1.13% |
| Q4 2025 | 17.49% | 17.49% | 18.73% | 14.68% | 1.20% |
| Q1 2026 | 18.35% | 18.35% | 19.60% | 14.90% | 1.31% |
| Q2 2026 | 18.29% | 18.29% | 19.54% | 15.11% | 1.37% |
Madison County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Madison County Bank, 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 Madison County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31999) · FFIEC NIC profile (RSSD 385471)