BlastPoint's Banking Scorecard
Madison County Community Bank
Madison, FL
2 branches across FL
Madison County Community Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Net Interest Margin 0.18% below tier average
- - Efficiency Ratio 8.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$210.0M
+7.8% YoY
+3.8% QoQ
|
-$176.1M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$107.9M
+21.4% YoY
+2.6% QoQ
|
-$147.9M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$196.3M
+7.3% YoY
+4.4% QoQ
|
-$131.6M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
0.74%
+14.4% YoY
-11.3% QoQ
|
-0.53% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.76%
+5.3% YoY
-1.4% QoQ
|
-0.18% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
74.06%
-5.7% YoY
+2.3% QoQ
|
+8.77% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.21%
-38.8% YoY
-4.7% QoQ
|
-0.68% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
54.93%
+13.1% YoY
-1.8% QoQ
|
-21.70% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 13.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.16%
-5.7% YoY
+4.0% QoQ
|
-0.86% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.12%
-29.1% YoY
-5.5% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
14.28%
+0.4% YoY
+1.0% QoQ
|
-1.55% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.15%
-7.0% YoY
-76.1% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
73% |
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Signature Analysis
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Strengths (0)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.