Madison County Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Madison County Community Bank is an FDIC-insured commercial bank headquartered in Madison, FL, established in 1999 (FDIC certificate 35056), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $211.7M, up 8.6% from Q2 2025, the 67th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 13.91% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35056
- Headquarters
- Madison, FL
- Established
- 1999
- Total assets, Q2 2026
- $211.7M
- Assets vs Q2 2025
- +8.6%
- CET1 ratio, Q2 2026
- 13.91%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 063114645
- Holding company
- MADISON COMMUNITY BANCSHARES CORPORATION
- Asset rank in state
- 67th of 81 in Florida
Madison County Community Bank operates with a thinner capital cushion than most banks of its size. Based in Madison, Florida, it had $212 million in assets at June 30, 2026, up 8.6% from a year earlier. It funds 8.42% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew its loan book 18.7% over the year, 3.4 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 18.7% and deposits rose 7.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $7.2 million equal 39% of Tier 1 capital, down from 55% a year earlier.
As of June 30, 2026, Madison County Community Bank reported a CET1 capital ratio of 13.91%, a return on assets of 0.87%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.55%. The figures come from its call report filed with the FFIEC.
Of the 81 banks headquartered in Florida, Madison County Community Bank is the 67th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $211.7M, loans rose 7.9% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 26.9% of total loans, followed by construction and land development loans at 18.9%. The FDIC Summary of Deposits lists 2 offices for it, in Madison, FL and Perry, FL; its Madison office books 88% of its branch deposits. On its Q2 2026 call report, Madison County Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 E Base St, Madison, FL 32340
- County
- Madison
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- May 5, 1999
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $196.9M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $219.7M
- Average total loans
- $112.7M
- Average interest-bearing deposits
- $155.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 5, 1999
- FDIC Cert
- 35056
- Fed RSSD
- 2805928
- Website
- www.mccbflorida.com →
- Parent Holding Company
- MADISON COMMUNITY BANCSHARES CORPORATION (RSSD 3619702)
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 Community Bank's total assets ranged from $179.5M (Q4 2023) to $211.7M (Q2 2026), 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
$211.7M total assets against $194.9M; $198.6M total liabilities against $184.8M.
$116.5M net loans and leases against $98.0M; $196.9M total deposits against $183.2M.
$65.6M securities against $70.9M; $14.1M cash and balances due against $10.0M.
$2.7M total interest income against $2.4M; $821K total interest expense against $747K.
$1.9M net interest income against $1.7M.
$351K total noninterest income against $332K; $1.6M total noninterest expense against $1.4M.
$60K provision for credit losses against $30K.
$478K net income against $432K.
0.87% return on assets against 0.85%; 3.83% net interest margin against 3.61%.
13.91% CET1 capital ratio against 13.50%; 8.42% tier 1 leverage ratio against 8.49%.
Inside the full Madison County Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMadison County Community Bank rankings
Its closest position to the top of a national ranking is 1,145 of 2,134, for CET1 ratio; its furthest is 2,771 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.62% (Q1 2025) to 1.01% (Q4 2024) and its net interest margin ran from 3.34% (Q3 2024) to 3.85% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.91% | 0.87% | 0.30% | 2.55% | 3.83% |
| Q1 2026 | 14.28% | 0.71% | 0.20% | 1.81% | 3.68% |
| Q4 2025 | 14.14% | 0.84% | 0.21% | 1.74% | 3.68% |
| Q3 2025 | 13.80% | 0.87% | 0.25% | 2.12% | 3.85% |
| Q2 2025 | 13.50% | 0.85% | 0.29% | 2.73% | 3.61% |
| Q1 2025 | 14.23% | 0.62% | 0.33% | 2.87% | 3.38% |
| Q4 2024 | 15.53% | 1.01% | 0.36% | 3.60% | 3.46% |
| Q3 2024 | 15.54% | 0.68% | 0.32% | 2.09% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Madison County Community Bank (main office) | Madison , FL | 32340 | $172.5M |
| Perry Branch | Perry , FL | 32348 | $24.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 127 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Community Bank
What are Madison County Community Bank's total assets?
As of the Q2 2026 filing, Madison County Community Bank reported total assets of $211.7 million in its FFIEC call report.
Where is Madison County Community Bank headquartered?
It is headquartered in Madison, FL, United States.
When was Madison County Community Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Madison County Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35056). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Madison County Community Bank?
Madison County Community Bank's primary federal regulator is the FDIC.
What is Madison County Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.91% 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 Community Bank operate?
It operates 2 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 Community Bank's Texas Ratio?
Its Texas Ratio is 2.55% 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.
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