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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Madison, NE · FDIC certificate #31999
MADISON COUNTY BANK is an FDIC-insured institution based in Madison, NE (FDIC certificate #31999). In its Q3 2026 Call Report it reported total assets of $610M, total deposits of $478M and net loans of $447M. Its primary federal regulator is FED.
Plain-language readout
MADISON COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $613M in Q2 2026 and were lowest at $604M in Q1 2026.
Total deposits were highest at $486M in Q1 2026 and lowest at $478M in Q3 2026.
Over the whole period total assets rose 1.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $610M | $478M | $447M | 1.32% | 8.76% | 2.96% |
| Q2 2026 | $613M | $479M | $455M | 1.33% | 8.93% | 2.90% |
| Q1 2026 | $604M | $486M | $450M | 1.31% | 8.81% | 2.88% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.0M | $3.0M | +$2.1M | +69.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $116.2M | $114.2M | +$2.0M | +1.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $455.0M | $450.4M | +$4.6M | +1.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.4M | $8.5M | -$80K | -0.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $89K | $88K | +$1K | +1.1% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.9M | $1.9M | -$31K | -1.6% |
| All other assets | $26.6M | $25.5M | +$1.1M | +4.2% |
| Total assets | $613.2M | $603.6M | +$9.6M | +1.6% |
| Liabilities | ||||
| Total deposits | $479.2M | $486.2M | -$7.0M | -1.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $34.4M | $18.8M | +$15.6M | +83.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.8M | $6.9M | -$93K | -1.3% |
| Total liabilities | $520.5M | $512.0M | +$8.5M | +1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $29.6M | $29.6M | -$8K | -0.0% |
| Retained earnings | $63.9M | $62.9M | +$1.1M | +1.7% |
| Accumulated other comprehensive income | -$880K | -$861K | -$19K | -2.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $92.7M | $91.6M | +$1.1M | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.7M | $1.7M | +$51K | +3.0% |
| Adjusted nonperforming assets | $1.7M | $1.7M | +$51K | +3.0% |
| Tangible equity plus allowance | $97.2M | $96.1M | +$1.1M | +1.1% |
| Texas ratio (gross) | 1.78% | 1.74% | +0.03 pts | See points |
| Texas ratio (adjusted) | 1.78% | 1.74% | +0.03 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.78% | 1.74% | +0.03 pts | See points |
| Tier 1 capital to risk-weighted assets | 18.29% | 18.35% | -0.06 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 18.29% | 18.35% | -0.06 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 19.54% | 19.60% | -0.06 pts | See points |
| Tier 1 leverage (approximate) | 15.11% | 14.90% | +0.21 pts | See points |
| Construction and land loans to total capital | 4.88% | 3.97% | +0.90 pts | See points |
| Commercial real estate to total capital | 39.42% | 39.45% | -0.03 pts | See points |
| Dividend payout, year to date | 47.00% | 45.84% | +1.16 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.47% | -17.65% | +2.18 pts | See points |
| Liquidity | ||||
| Core deposits | $470.2M | $477.5M | -$7.3M | -1.5% |
| Non-core funding | $43.4M | $27.5M | +$15.9M | +57.7% |
| Loans to core deposits | 98.13% | 95.66% | +2.46 pts | See points |
| Loans to deposits | 96.27% | 93.94% | +2.33 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 25.74% | 26.18% | -0.44 pts | See points |
| Loans pledged, share of loans | 52.60% | 52.86% | -0.26 pts | See points |
| Volatile liabilities | $43.4M | $27.5M | +$15.9M | +57.7% |
| Earnings | ||||
| Earnings before provision, year to date | $4.9M | $2.4M | +$2.5M | +106.4% |
| Earnings before provision, single quarter | $2.5M | $2.4M | +$152K | +6.4% |
| Provision for credit losses, year to date | -$5K | -$7K | +$2K | +28.6% |
| Yield and cost | ||||
| Yield on loans and leases | 5.81% | 5.63% | +0.18 pts | See points |
| Yield on interest-bearing balances due from banks | 9.76% | 6.67% | +3.09 pts | See points |
| Total interest income to average assets | 4.89% | 4.85% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 2.82% | 2.80% | +0.02 pts | See points |
| Cost of savings and money market deposits | 2.33% | 2.28% | +0.05 pts | See points |
| Cost of time deposits | 3.40% | 3.42% | -0.02 pts | See points |
| Total interest expense to average assets | 2.16% | 2.16% | +0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $610M | $478M | $447M | 1.32% | 8.76% | 2.96% |
| 2026-06-30 | $613M | $479M | $455M | 1.33% | 8.93% | 2.90% |
| 2026-03-31 | $604M | $486M | $450M | 1.31% | 8.81% | 2.88% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $466.2M | 0.50% | 35 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.