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Madison County Community Bank
Madison, FL · FDIC Certificate #35056 · Chartered 05/0
Total assets
$211.68M
Total deposits
$196.95M
Total equity
$13.11M
Net loans
$116.46M
Branches (offices)
2
Net income (YTD)
$858.00K
Rank: #2,906 of 4,213 U.S. banks by assets · #67 of 81 in Florida. Assets changed 8.6% and deposits 7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.83% |
| Return on equity | 13.45% |
| Net interest margin (YTD) | 3.86% |
| Equity to assets | 6.19% |
| Tier 1 leverage ratio | 8.42% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 59.1% |
| Real estate loans (share of loans) | 83.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $96.84M | 83.2% | |
| Commercial & industrial | $14.14M | 12.1% | |
| Consumer / individual | $1.72M | 1.5% | |
| Construction & development | $22.31M | 19.2% | |
| Agricultural | $697.00K | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $178.72M | $170.61M | $667.00K | $7.06M |
| Jun 2023 | $174.94M | $160.71M | $827.00K | $7.78M |
| Jun 2024 | $183.19M | $167.12M | $475.00K | $8.87M |
| Jun 2025 | $194.94M | $183.21M | $743.00K | $10.15M |
| Jun 2026 | $211.68M | $196.95M | $858.00K | $13.11M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Florida | $196.95M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $196.95M.
Similar-sized banks
Calhoun County Bank, Inc. ($211.74M) · The Corner Stone Bank ($211.45M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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