C
Madison County Community Bank
MadisonFL
Rating Date
March 2026
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 6.60
Liquidity Index 3.60
Profitability Index 4.20
Stability Index 3.40
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 5.82%
5-Year Asset Growth 6.36%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 1.17%
Non-Performing Loans to Loans 0.21%
Balance Sheet Madison County Community Bank
Madison, FL
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Total Assets 202.30M
Total Deposits 187.98M
Capital and Reserves Madison County Community Bank
Madison, FL
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Capital 13.01M
Leverage Ratio 8.65
Loan Loss Reserves to Loans 1.53%
Risk-Based Capital Ratio 15.39
Liquidity Madison County Community Bank
Madison, FL
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Hot Money Ratio 25.55%
Liquidity Ratio 32.87%
Profitability Madison County Community Bank
Madison, FL
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5-Year Return on Average Assets 0.88%
Net Income 1.64M
Net Interest Spread 3.70%
Operating Profit to Average Assets 1.01%
Overhead Efficiency Ratio 72.42%
Return on Assets 0.80%
Return on Equity 15.23%