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Madison County Bank
Madison, NE · FDIC Certificate #31999 · Chartered 01/0
Total assets
$613.17M
Total deposits
$479.22M
Total equity
$92.70M
Net loans
$454.99M
Branches (offices)
6
Net income (YTD)
$4.09M
Rank: #1,533 of 4,213 U.S. banks by assets · #30 of 138 in Nebraska. Assets changed 0.7% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 8.93% |
| Net interest margin (YTD) | 2.90% |
| Equity to assets | 15.12% |
| Tier 1 leverage ratio | 15.11% |
| Uninsured deposits (share of deposits) | 23.4% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 94.9% |
| Real estate loans (share of loans) | 87.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $399.26M | 87.8% | |
| Commercial & industrial | $5.72M | 1.3% | |
| Consumer / individual | $5.25M | 1.2% | |
| Construction & development | $4.80M | 1.1% | |
| Agricultural | $47.69M | 10.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $585.55M | $483.92M | $3.83M | $82.15M |
| Jun 2023 | $585.22M | $482.39M | $1.22M | $83.39M |
| Jun 2024 | $596.03M | $457.82M | $1.72M | $85.07M |
| Jun 2025 | $608.91M | $466.15M | $3.02M | $88.41M |
| Jun 2026 | $613.17M | $479.22M | $4.09M | $92.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $479.22M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $479.22M.
Similar-sized banks
Community Savings Bank ($613.59M) · Belmont Savings Bank ($612.93M)
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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