Madison County Community Bank
Madison, FL
IDRSSD: 2805928
Total Assets
$202.29M
Latest filing
Total Deposits
$187.98M
Latest filing
Net Interest Margin
3.82%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
063114645MADISON, FL
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Madison County Community Bank
301 E Base St
Madison, FL 32340
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/05/1999FDIC Certificate 74360
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Madison County Community Bank (Main) | 301 E Base St | Madison, FL |
| PERRY BRANCH | 1405 South Jefferson Street | Perry, FL |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/05/1999 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 32340 |
| State and County Number | 12079 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/05/1999 |
| Primary Insurance Agency | DIF |
| Website | www.mccbflorida.com |
| Data Updated | 01/30/2026 |
| CERT | 35056 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $202.29M |
| Total Deposits | $187.98M |
| Total Liabilities | $189.28M |
| Total Equity Capital | $13.01M |
| Net Income | $444.00k |
| Net Loans and Leases | $105.14M |
| Assets Per Employee ($Millions) | $5.32M |
| Bank Premises and Fixed Assets | $8.10M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $187.98M |
Key Performance Ratios
| Return on Assets (ROA) | 0.87% |
| Return on Equity (ROE) | 14.25% |
| Net Interest Margin | 3.82% |
| Efficiency Ratio | 69.8% |
| Tier 1 Risk-Based Capital Ratio | 14.14% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.432% |
| Earning Assets to total Assets | 90.95% |
Income and Expense
| Total Interest Income | $2.58M |
| Total Noninterest Income | $311.00k |
| Total Interest Expense | $819.00k |
| Total Noninterest Expense | $1.45M |
| Net Interest Income | $1.76M |
| Pre-tax Net Operating Income | $566.00k |
| Provision for Credit Losses | $60.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $28.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.30M |
| Total Liabilities and Capital | $202.29M |
Securities
| Securities | $69.61M |
| Available-for-sale debt securities | $69.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Madison County Community Bank?
$202.29M as of the latest filing.
How much are Madison County Community Bank's total deposits?
$187.98M in total deposits.
Where is Madison County Community Bank located?
Madison, FL.
What is the Net Interest Margin?
3.82%.
How many domestic offices does it operate?
2.
When was it established?
05/05/1999.
What is the Return on Assets (ROA)?
0.87%.
How much are total loans and leases?
$105.14M (latest filing).
What is the total interest income (latest filing)?
$2.58M.