BlastPoint's Banking Scorecard

Madison County Community Bank

$100M-$1B Specialty: Commercial FL FDIC cert 35056

Madison, FL

2 branches across FL

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 44 in FL.
Deposits +7.5% year over year ($196.9M on the books).
Delinquency rate 0.30%.
Return on assets 0.83%.
Efficiency ratio 72.01% vs a 64.48% peer average.
Loan-to-deposit ratio 59.13% 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 44 in FL

View $100M-$1B leaderboard (FL) →

Madison County Community Bank has 1 strength 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

+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.4% in tier
- ROA 0.50% below tier average
- Net Interest Margin 0.12% below tier average
- Efficiency Ratio 7.53% above tier average

Get updates when Madison County Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$211.7M +8.6% YoY +0.8% QoQ	-$174.9M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$116.5M +18.9% YoY +8.0% QoQ	-$141.9M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	24%
Total Deposits ?	$196.9M +7.5% YoY +0.3% QoQ	-$129.8M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	34%
Return on Assets ?	0.83% +7.5% YoY +11.9% QoQ	-0.50%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	3.86% +4.0% YoY +2.8% QoQ	-0.12%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	46%
Efficiency Ratio ?	72.01% -3.5% YoY -2.8% QoQ	+7.53%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	25%
Delinquency Rate ?	0.30% +1.1% YoY +46.4% QoQ	-0.62%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	57%
Loan-to-Deposit Ratio ?	59.13% +10.6% YoY +7.6% QoQ	-18.82%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	84%
Non-Interest-Bearing Deposit Share ?	21.85% +0.4% YoY +3.3% QoQ	-0.18%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.18% +9.1% YoY +50.4% QoQ	-0.49%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	62%
Tier 1 Capital Ratio ?	13.91% +3.0% YoY -2.6% QoQ	-2.00%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.31% -5.0% YoY +110.4% QoQ	-0.25%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	74%

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 (FL)	National Avg	Tier Percentile
Noninterest-Bearing	21.9% +0.1pp YoY +0.7pp QoQ	-0.3pp	22.1%	27.7%	22.2%	54%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	12.1% +0.3pp YoY -1.4pp QoQ	+0.6pp	11.6%	12.9%	12.5%	64%
CRE	58.3% -1.3pp YoY +2.0pp QoQ	+18.7pp	39.5%	50.6%	41.4%	82%
1-4 Family	16.5% +0.1pp YoY -1.7pp QoQ	-16.1pp	32.6%	30.7%	31.3%	22%
Consumer	1.5% -0.2pp YoY -0.1pp QoQ	-2.6pp	4.1%	3.7%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	13.9% +0.4pp YoY -0.4pp QoQ	-4.9pp	18.8%	19.8%	19.7%	38%
Leverage Ratio	8.4% -0.1pp YoY 0.0pp QoQ	-3.8pp	12.2%	13.9%	12.6%	5%
Total Capital Ratio	15.2% +0.4pp YoY -0.4pp QoQ	-4.8pp	19.9%	21.1%	20.8%	39%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	38 +1 (+2.7%) YoY +1 (+2.7%) QoQ	-21	58	295	482	39%
Assets per Employee ($)	$5.6M +5.7% YoY -1.8% QoQ	-$1.9M	$7.5M	$10.3M	$8.8M	24%
Branch Count	2 0 YoY 0 QoQ	-3	4	13	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.3% 0.0pp YoY +0.1pp QoQ	-0.6pp	0.9%	0.7%	1.0%	38%
Allowance Coverage	4.99x -7.7% YoY -34.5% QoQ	-19.17x	24.15x	16.62x	20.23x	70%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	32%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	13.4% -1.7pp YoY +1.4pp QoQ	+1.3pp	12.2%	9.3%	11.6%	59%
Cost of Funds (YTD)	1.7% 0.0pp YoY 0.0pp QoQ	0.0pp	1.7%	1.8%	1.7%	52%
Net Income ($, YTD)	$858,000 +15.5% YoY — QoQ	-$1.7M	$2.6M	$25.2M	$40.4M	22%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Credit Quality Pressure

risk

#169 of 1256 • Bottom 13.4% in tier

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

Why this signature

Delinquency Rate: 0.30%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

430

Loan-to-Deposit Ratio

liquidity

Value: 59.13%

Peer Median: 77.95%

#430 of 2643 Top 16.2% in $100M-$1B

Top Weaknesses (2 metrics)

2004

Total Loans

size

Value: $116.46M

Peer Median: $258.35M

#2004 of 2643 Bottom 24.2% in $100M-$1B

1997

Return on Assets

profitability

Value: 0.83%

Peer Median: 1.32%

#1997 of 2643 Bottom 24.5% in $100M-$1B