Madison County Community 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: 147.22 percentage points lower than in Q1 2026, at 417.66%. Madison County Community Bank ranks 54th of 79 Florida banks on return on assets, in the lower half at 0.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Madison County Community Bank sits 0.38 points lower, at 0.87% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.91% |
| Tier 1 risk-based capital ratio | 13.91% |
| Total risk-based capital ratio | 15.16% |
| Tier 1 leverage ratio | 8.42% |
| Equity capital to assets | 6.19% |
| Tangible equity to tangible assets | 6.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.01% |
| Allowance for credit losses to loans | 1.48% |
| Reserve coverage of non-performing loans | 417.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.87% |
| Return on equity | 15.13% |
| Net interest margin | 3.83% |
| Efficiency ratio | 68.71% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.02% |
| Core deposits to total deposits | 83.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 93.04% |
| Securities to assets | 31.01% |
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 | 14.91% | 14.91% | 17.42% | 8.80% | 0.84% |
| Q4 2023 | 16.05% | 16.05% | 17.30% | 8.96% | 0.91% |
| Q1 2024 | 15.90% | 15.90% | 17.16% | 8.83% | 0.52% |
| Q2 2024 | 15.44% | 15.44% | 16.70% | 8.93% | 0.53% |
| Q3 2024 | 15.54% | 15.54% | 16.80% | 8.86% | 0.68% |
| Q4 2024 | 15.53% | 15.53% | 16.78% | 8.90% | 1.01% |
| Q1 2025 | 14.23% | 14.23% | 15.48% | 8.39% | 0.62% |
| Q2 2025 | 13.50% | 13.50% | 14.75% | 8.49% | 0.85% |
| Q3 2025 | 13.80% | 13.80% | 15.05% | 8.49% | 0.87% |
| Q4 2025 | 14.14% | 14.14% | 15.39% | 8.65% | 0.84% |
| Q1 2026 | 14.28% | 14.28% | 15.53% | 8.37% | 0.71% |
| Q2 2026 | 13.91% | 13.91% | 15.16% | 8.42% | 0.87% |
Madison County Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Madison County Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35056) · FFIEC NIC profile (RSSD 2805928)