Bank of Madison: how it compares with its peers
Against 69 GA banks with half to twice its assets, Bank of Madison's strongest measure in Q2 2026 is efficiency ratio (46.52% vs. a 56.69% peer median). Its weakest relative measure is assets per employee ($6.5M vs. $7.1M).
| Measure | Bank of Madison | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.88% | 1.58% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.50% | 4.66% | Middle third Ahead of 45% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.52% | 56.69% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $7.1M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.87% | 80.31% | Context |
What it means for lending operations
Its efficiency ratio of 46.52% is better than the 56.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Peoples Bank Pine Mountain, GA · $449M
- The Bank of LaFayette, Georgia La Fayette, GA · $447M
- Glennville Bank Glennville, GA · $444M
- The Commercial Bank Crawford, GA · $464M
- River City Bank Rome, GA · $423M
- Great Oaks Bank Richmond Hill, GA · $422M
Questions about Bank of Madison
How big is Bank of Madison?
Bank of Madison, established in 1890, is headquartered in Madison, GA. It reported $448M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Bank of Madison's return on assets?
1.88% annualized in Q2 2026, against a 1.58% median for 69 GA banks with half to twice its assets, ahead of 78% of them.
What is Bank of Madison's efficiency ratio?
46.52% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 56.69%, and lower is better.
Is Bank of Madison growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits grew 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.