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Bank Of Madison
Madison, GA · FDIC Certificate #148 · Chartered 01/0
Total assets
$448.11M
Total deposits
$398.08M
Total equity
$46.43M
Net loans
$321.94M
Branches (offices)
4
Net income (YTD)
$4.14M
Rank: #1,915 of 4,213 U.S. banks by assets · #43 of 123 in Georgia. Assets changed 3.0% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.88% |
| Return on equity | 18.56% |
| Net interest margin (YTD) | 4.50% |
| Equity to assets | 10.36% |
| Tier 1 leverage ratio | 11.59% |
| Uninsured deposits (share of deposits) | 29.2% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 80.9% |
| Real estate loans (share of loans) | 96.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $309.94M | 96.3% | |
| Commercial & industrial | $13.62M | 4.2% | |
| Consumer / individual | $1.07M | 0.3% | |
| Construction & development | $74.35M | 23.1% | |
| Agricultural | $1.62M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $411.40M | $379.02M | $2.39M | $29.98M |
| Jun 2023 | $385.90M | $351.19M | $2.25M | $31.96M |
| Jun 2024 | $411.67M | $371.62M | $2.72M | $35.42M |
| Jun 2025 | $435.20M | $391.11M | $3.01M | $39.71M |
| Jun 2026 | $448.11M | $398.08M | $4.14M | $46.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $398.08M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $398.08M.
Similar-sized banks
North Brookfield Savings Bank ($448.68M) · The Bank Of Lafayette, Georgia ($446.78M)
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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