Madison County Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Madison County Community Bank of Madison, FL against its peer group of 2672 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 | 0.87% | 1.35% | -0.48% | 26th below |
| ROAE | 15.13% | 12.05% | +3.08% | 66th above |
| Net Interest Margin | 3.83% | 3.90% | -0.07% | 44th below |
| Efficiency Ratio | 68.71% | 63.15% | +5.56% | 31st below |
| PPNR / Avg Assets | 1.22% | 1.64% | -0.42% | 29th below |
| Yield on Earning Assets | 5.47% | 5.65% | -0.18% | 44th below |
| Cost of Funds | 1.66% | 1.85% | -0.19% | 59th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.34% | 3.35% | -0.01% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 0.92% | -0.57% | 54th above |
| NPA / Total Assets | 0.21% | 0.67% | -0.46% | 59th above |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 80th top |
| ACL / Total Loans | 1.48% | 1.28% | +0.20% | 77th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 417.66% | 1645.66% | -1228.00% | 67th above |
| Texas Ratio | 3.01% | 7.15% | -4.14% | 54th above |
| Provision / NCO | 12000.00% | 1182.67% | +10817.33% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.91% | 20.83% | -6.92% | 38th below |
| Tier 1 Ratio | 13.91% | 20.87% | -6.96% | 38th below |
| Total Capital Ratio | 15.16% | 21.94% | -6.78% | 39th below |
| Leverage Ratio | 8.42% | 12.47% | -4.05% | 5th bottom |
| Equity / Assets | 6.19% | 11.67% | -5.48% | 3rd bottom |
| TCE / Tangible Assets | 6.19% | 11.40% | -5.21% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.02% | 78.65% | -18.63% | 83rd top |
| Core Deposit Ratio | 83.81% | 87.09% | -3.28% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.59% | 6.47% | +2.12% | 78th top |
| Loan Growth (Y/Y) | 18.72% | 7.64% | +11.08% | 91st top |
| Deposit Growth (Y/Y) | 7.50% | 6.02% | +1.48% | 73rd above |
See Madison County Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Madison County Community 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 Community Bank profile, how to read a UBPR, or how this data updates.