Madison County Community Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 3.83%, the biggest move on this page. Within Florida, Madison County Community Bank is 31st of 79 on net interest margin, 3.83% as of Q2 2026, above the middle of the field. Madison County Community Bank reported 3.83% on net interest margin for Q2 2026, 0.12 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 7.41% |
| Yield on securities | 2.81% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $821K |
| Interest expense on deposits | $821K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.77% | 1.56% | 3.23% | 6.82% | 2.42% |
| Q4 2023 | 4.83% | 1.68% | 3.19% | 6.97% | 2.38% |
| Q1 2024 | 4.84% | 1.76% | 3.10% | 7.01% | 2.51% |
| Q2 2024 | 5.01% | 1.78% | 3.27% | 7.36% | 2.48% |
| Q3 2024 | 5.10% | 1.80% | 3.34% | 7.40% | 2.53% |
| Q4 2024 | 5.12% | 1.70% | 3.46% | 7.42% | 2.70% |
| Q1 2025 | 4.98% | 1.62% | 3.38% | 7.18% | 2.83% |
| Q2 2025 | 5.20% | 1.63% | 3.61% | 7.29% | 2.82% |
| Q3 2025 | 5.51% | 1.68% | 3.85% | 7.81% | 2.89% |
| Q4 2025 | 5.38% | 1.72% | 3.68% | 7.48% | 2.84% |
| Q1 2026 | 5.35% | 1.67% | 3.68% | 7.49% | 2.78% |
| Q2 2026 | 5.47% | 1.66% | 3.83% | 7.41% | 2.81% |
Madison County Community Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Madison County Community Bank, freeSource: Call Report Schedules RI and RC-K, 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)