Madison County Community 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%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 8.0% higher than in Q1 2026, at -$5.4M. Madison County Community Bank ranks 33rd of 56 Florida banks on CET1 ratio, in the lower half at 13.91% (Q2 2026). Madison County Community Bank reported 13.91% on CET1 ratio for Q2 2026, 1.16 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.91% |
| Tier 1 risk-based capital ratio | 13.91% |
| Total risk-based capital ratio | 15.16% |
| Tier 1 leverage ratio | 8.42% |
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 | $18.5M |
| Tier 1 capital | $18.5M |
| Total risk-based capital | $20.2M |
| Total equity capital | $13.1M |
| Risk-weighted assets | $133.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.19% |
| Tangible equity to tangible assets | 6.19% |
| Equity capital to average assets | 5.97% |
| Internal capital growth rate | 15.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $3.1M |
| Retained earnings | $12.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.4M |
| 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 | 14.91% | 14.91% | 17.42% | 8.80% | $106.3M |
| Q4 2023 | 16.05% | 16.05% | 17.30% | 8.96% | $101.3M |
| Q1 2024 | 15.90% | 15.90% | 17.16% | 8.83% | $100.5M |
| Q2 2024 | 15.44% | 15.44% | 16.70% | 8.93% | $105.1M |
| Q3 2024 | 15.54% | 15.54% | 16.80% | 8.86% | $106.4M |
| Q4 2024 | 15.53% | 15.53% | 16.78% | 8.90% | $109.6M |
| Q1 2025 | 14.23% | 14.23% | 15.48% | 8.39% | $118.6M |
| Q2 2025 | 13.50% | 13.50% | 14.75% | 8.49% | $128.2M |
| Q3 2025 | 13.80% | 13.80% | 15.05% | 8.49% | $128.7M |
| Q4 2025 | 14.14% | 14.14% | 15.39% | 8.65% | $128.8M |
| Q1 2026 | 14.28% | 14.28% | 15.53% | 8.37% | $126.2M |
| Q2 2026 | 13.91% | 13.91% | 15.16% | 8.42% | $133.0M |
Madison County Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Madison County Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35056) · FFIEC NIC profile (RSSD 2805928)