Madison County Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 26.62 percentage points higher than in Q1 2026, at 178.46%. Madison County Community Bank ranks 65th of 81 Florida banks on loan-to-deposit ratio, in the lower half at 60.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Madison County Community Bank sits 20.82 points lower, at 60.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $118.2M |
| Net loans and leases | $116.5M |
| Loans held for sale | $0 |
| Loans to total assets | 55.84% |
| Loan-to-deposit ratio | 60.02% |
| Net loans to equity capital | 8.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.44% |
| Multifamily (5+ residential) | 1.11% |
| Commercial and industrial | 11.96% |
| Consumer | 1.45% |
| Credit cards | 0.00% |
| Farm | 8.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.95% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.46% |
| Construction concentration (Tier 1 capital + allowance) | 110.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.41% |
| Interest income on loans | $2.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $84.8M | $164.1M | 27.98% | 11.47% | 1.95% |
| Q4 2023 | $80.1M | $158.5M | 25.70% | 11.90% | 1.89% |
| Q1 2024 | $78.5M | $161.9M | 30.60% | 11.27% | 1.96% |
| Q2 2024 | $82.3M | $167.1M | 27.63% | 13.45% | 1.75% |
| Q3 2024 | $83.5M | $172.3M | 28.55% | 11.08% | 1.77% |
| Q4 2024 | $83.5M | $179.8M | 26.86% | 11.82% | 1.87% |
| Q1 2025 | $90.4M | $182.9M | 36.65% | 12.13% | 1.83% |
| Q2 2025 | $99.6M | $183.2M | 36.90% | 11.64% | 1.66% |
| Q3 2025 | $101.7M | $190.3M | 37.90% | 10.01% | 1.62% |
| Q4 2025 | $106.8M | $188.0M | 38.58% | 10.41% | 1.50% |
| Q1 2026 | $109.5M | $196.3M | 38.26% | 13.31% | 1.54% |
| Q2 2026 | $118.2M | $196.9M | 37.44% | 11.96% | 1.45% |
Madison County Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Madison County Community Bank, freeSource: Call Report Schedule RC-C, 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)