Madison County Community Bank: how it compares with its peers
Against 27 FL banks with half to twice its assets, Madison County Community Bank's strongest measure in Q2 2026 is net interest margin (3.86% vs. a 3.77% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $7.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.83% | 0.84% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.86% | 3.77% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.01% | 69.32% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $7.9M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.13% | 75.46% | Context |
What it means for lending operations
Its efficiency ratio of 72.01% is above the 69.32% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Surety Bank Deland, FL · $214M
- Commerce Bank & Trust Winter Park, FL · $198M
- Gulf Coast Business Bank Fort Myers, FL · $187M
- The Warrington Bank Pensacola, FL · $174M
- Lafayette State Bank Mayo, FL · $252M
- Gulf Atlantic Bank Key West, FL · $253M
Questions about Madison County Community Bank
How big is Madison County Community Bank?
Madison County Community Bank, established in 1999, is headquartered in Madison, FL. It reported $212M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Madison County Community Bank's return on assets?
0.83% annualized in Q2 2026, against a 0.84% median for 27 FL banks with half to twice its assets, ahead of 44% of them.
What is Madison County Community Bank's efficiency ratio?
72.01% in Q2 2026: it spent about 72 cents in noninterest expense for each dollar of revenue. The peer median is 69.32%, and lower is better.
Is Madison County Community Bank growing its loans?
Net loans grew 18.9% over the year to Q2 2026, while deposits grew 7.5%.
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 FL 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 Florida bank ranked.