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Madison County Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 31999

Madison, NE

6 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits +2.8% year over year ($479.2M on the books).
  • Delinquency rate 0.38%.
  • Return on assets 1.33%.
  • Efficiency ratio 50.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

Madison County Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 13.80% below tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 13.6% in tier
  • - Liquidity Overhang: Bottom 24.7% in tier
  • - Credit Quality Pressure: Bottom 36.8% in tier
  • - Net Interest Margin 1.09% below tier average
Get updates when Madison County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $613.2M
+0.7% YoY +1.6% QoQ
+$226.6M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $455.0M
+0.2% YoY +1.0% QoQ
+$196.6M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
85%
Total Deposits ? $479.2M
+2.8% YoY -1.4% QoQ
+$152.5M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 1.33%
+35.2% YoY +2.1% QoQ
+0.01% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 2.90%
+18.2% YoY +0.7% QoQ
-1.09% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
Bottom 7.7% in tier
Efficiency Ratio ? 50.68%
-11.9% YoY -0.1% QoQ
-13.80% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
82%
Delinquency Rate ? 0.38%
+156.2% YoY +2.0% QoQ
-0.54% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
52%
Loan-to-Deposit Ratio ? 94.94%
-2.5% YoY +2.5% QoQ
+16.99% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 10.67%
+5.8% YoY -3.7% QoQ
-11.36% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
Bottom 11.9% in tier
Nonperforming Asset Ratio ? 0.28%
+155.1% YoY +1.4% QoQ
-0.39% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
53%
Tier 1 Capital Ratio ? 18.29%
+2.4% YoY -0.3% QoQ
+2.38% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.28%
+27.5% YoY +129.2% QoQ
-0.28% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 10.7%
+0.6pp YoY
-0.4pp QoQ
 -11.5pp 22.1% 17.6% 22.2% 11%
Brokered Deposits n/a n/a 7.9% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 1.3%
0.0pp YoY
+0.1pp QoQ
 -10.3pp 11.6% 12.3% 12.5% 4%
CRE 12.0%
-0.1pp YoY
+0.1pp QoQ
 -27.5pp 39.5% 32.3% 41.4% 7%
1-4 Family 32.9%
+0.7pp YoY
+0.2pp QoQ
 +0.3pp 32.6% 16.9% 31.3% 58%
Consumer 1.2%
-0.3pp YoY
0.0pp QoQ
 -3.0pp 4.1% 3.1% 5.0% 32%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 18.3%
+0.4pp YoY
-0.1pp QoQ
 -0.5pp 18.8% 16.1% 19.7% 71%
Leverage Ratio 15.1%
+0.6pp YoY
+0.2pp QoQ
 +2.9pp 12.2% 12.1% 12.6% 87%
Total Capital Ratio 19.5%
+0.4pp YoY
-0.1pp QoQ
 -0.4pp 19.9% 17.3% 20.8% 72%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 52
0 YoY
+1 (+2.0%) QoQ
 -7 58 98 482 56%
Assets per Employee ($) $11.8M
+0.7% YoY
-0.4% QoQ
 +$4.3M $7.5M $8.5M $8.8M 92%
Branch Count 6
0 YoY
0 QoQ
 +1 4 7 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.4%
+0.2pp YoY
0.0pp QoQ
 -0.6pp 0.9% 0.8% 1.0% 45%
Allowance Coverage 3.69x
-61.1% YoY
-2.9% QoQ
 -20.46x 24.15x 31.69x 20.23x 63%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 8.9%
+2.0pp YoY
+0.1pp QoQ
 -3.3pp 12.2% 12.3% 11.6% 30%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.9% 1.7% 84%
Net Income ($, YTD) $4.1M
+35.7% YoY
— QoQ
 +$1.5M $2.6M $6.1M $40.4M 81%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk
#95 of 691 • Bottom 13.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.94%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#184 of 742 • Bottom 24.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.29%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 94.94%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#463 of 1256 • Bottom 36.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.38%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

404
Total Loans
size
Value: $454.99M
Peer Median: $258.35M
#404 of 2643 Top 15.2% in $100M-$1B
477
Efficiency Ratio
profitability
Value: 50.68%
Peer Median: 64.48%
#477 of 2643 Top 18.0% in $100M-$1B
480
Tier 1 Capital Ratio
capital
Value: 18.29%
Peer Median: 15.91%
#480 of 2643 Top 18.1% in $100M-$1B
492
Total Assets
size
Value: $613.17M
Peer Median: $386.57M
#492 of 2643 Top 18.6% in $100M-$1B
587
Total Deposits
size
Value: $479.22M
Peer Median: $326.73M
#587 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (3 metrics)

2441
Net Interest Margin
profitability
Value: 2.90%
Peer Median: 3.99%
#2441 of 2643 Bottom 7.7% in $100M-$1B
2330
Non-Interest-Bearing Deposit Share
funding
Value: 10.67%
Peer Median: 22.03%
#2330 of 2643 Bottom 11.9% in $100M-$1B
2211
Loan-to-Deposit Ratio
liquidity
Value: 94.94%
Peer Median: 77.95%
#2211 of 2643 Bottom 16.4% in $100M-$1B
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