What is Madison County Community Bank's financial health grade?

Madison County Community Bank has a TFS Financial Health Grade of D+ (score: 70.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Madison County Community Bank have?

Madison County Community Bank has 2 branch locations across the United States.

Is Madison County Community Bank FDIC insured?

Yes, Madison County Community Bank is FDIC insured (Certificate #35056).

What are the total assets of Madison County Community Bank?

Madison County Community Bank has total assets of $202.3M as reported in its most recent FDIC filing.

Madison County Community Bank

BankMadison, Florida

www.mccbflorida.com

Total Assets

$202.3M

Total Deposits

$188.0M

Branches

Established

1999

TFS Health Grade

D+

70.0 / 100

Below average financial health

How we grade

Madison County Community Bank is a bank headquartered in Madison, Florida, established in 1999. With $202.3M in total assets and 2 branch locations, it has a TFS Financial Health Grade of D+ (70.0/100).

Capital & Safety

Tier 1 Capital Ratio

8.65%(8%)

Total Capital Ratio

15.39%(10%)

Non-Performing Loan Ratio

0.21%

Profitability

Return on Assets (ROA)

0.83%(1%)

Return on Equity (ROE)

15.12%(10%)

Net Interest Margin

3.81%

Efficiency Ratio

72.42%(60%)

Lending & Liquidity

Total Loans

$106.8M

Loan-to-Deposit Ratio

55.93%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+5.82%

Deposit Growth (YoY)

+4.52%

Net Income

$1.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Madison County Community BankHQ	301 E Base St	Madison	FL	11
Madison County Community Bank	1405 South Jefferson Street	Perry	FL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.