Total Assets
$202M
Total balance-sheet footings
FDIC Cert #35056 · Madison, Florida · Est. 1999
Madison County Community Bank - FDIC Bank Health Profile
A community-scale look at Madison County Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $202M
- Total assets
- B
- Health grade · Good
- 0.83%
- Return on assets
- 14.1%
- Tier 1 capital
Data updated July 2026
The verdict
Madison County Community Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.14% Tier 1, 0.83% ROA, 72% efficiency ratio.
- #2,991
- largest of 4,313 FDIC banks by assets
- 31st
- percentile by asset size, nationally
- 14.14%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Madison County Community Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Madison County Community Bank's composite health score
Tier 1 Capital Ratio (14.14%) 35/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (1.55%) 20/20
Efficiency Ratio (72.42%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$188M
Customer-funded liabilities
Net Loans
$105M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Madison County Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Madison County Community Bank's score of 73/100 falls in the highlighted band.
Madison County Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Madison County Community Bank's $202M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.14%
Texas Ratio
1.55%
Equity Capital
$13M
Profitability metrics
Return on Assets (ROA)
31st percentile nationally
0.83%
Return on Equity (ROE)
15.12%
Efficiency Ratio
72.42%
What the numbers say about Madison County Community Bank
Madison County Community Bank is an FDIC-insured institution (Certificate #35056) headquartered in Madison, Florida, established in 1999. It holds $202M in total assets - 2,991st of 4,313 FDIC-insured banks, $188M in customer deposits, and $105M in net loans. On safety, its Tier 1 capital ratio of 14.14% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.55% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Florida, Madison County Community Bank ranks 69th of 83 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$10M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Madison County Community Bank reports a Texas Ratio of 1.55% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.55% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Madison County Community Bank (FDIC Cert #35056) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is Madison County Community Bank's health grade?▼
Madison County Community Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Madison County Community Bank?▼
Madison County Community Bank holds $202M in total assets and $188M in deposits, ranking 2,991st of 4,313 FDIC-insured banks by asset size. It is headquartered in Madison, Florida.
Is my money safe at Madison County Community Bank?▼
Yes, deposits at Madison County Community Bank (Certificate #35056) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Madison County Community Bank's Tier 1 Capital Ratio?▼
Madison County Community Bank has a Tier 1 Capital Ratio of 14.14%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Madison County Community Bank?▼
Madison County Community Bank has a Texas Ratio of 1.55%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Madison County Community Bank?▼
Madison County Community Bank has an Efficiency Ratio of 72.42%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Madison County Community Bank's profile as a depositor or analyst.
- Madison County Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Madison County Community Bank against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.