C
Madison County Community Bank
MadisonFL
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Madison County Community Bank
Madison, FL
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Rating C
Asset Quality Index 8.60
Capitalization Index 6.50
Liquidity Index 3.80
Profitability Index 4.20
Stability Index 3.50
Company Info Madison County Community Bank
Madison, FL
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FDIC Number 35056
Phone Number (850) 973-2400
Website www.mccbflorida.com
Asset Quality Madison County Community Bank
Madison, FL
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1-Year Asset Growth 9.99%
5-Year Asset Growth 11.23%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 1.36%
Non-Performing Loans to Loans 0.21%
Balance Sheet Madison County Community Bank
Madison, FL
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Total Assets 203.85M
Total Deposits 190.31M
Capital and Reserves Madison County Community Bank
Madison, FL
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Capital 11.91M
Leverage Ratio 8.50
Loan Loss Reserves to Loans 1.58%
Risk-Based Capital Ratio 15.05
Liquidity Madison County Community Bank
Madison, FL
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Hot Money Ratio 24.49%
Liquidity Ratio 35.31%
Profitability Madison County Community Bank
Madison, FL
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5-Year Return on Average Assets 0.88%
Net Income 1.20M
Net Interest Spread 3.68%
Operating Profit to Average Assets 0.99%
Overhead Efficiency Ratio 73.34%
Return on Assets 0.78%
Return on Equity 15.63%