Madison County Bank
Madison, NE
IDRSSD: 385471
Total Assets
$603.61M
Latest filing
Total Deposits
$486.23M
Latest filing
Net Interest Margin
2.88%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
304972038MADISON, NE
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Madison County Bank
111 W 3rd St
Madison, NE 68748
Full Service - Brick and Mortar
Updated 04/10/2026Established 01/01/1888FDIC Certificate 44833
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Madison County Bank (Main) | 111 W 3rd St | Madison, NE |
| WINSIDE STATE BANK BRANCH | 411 Main St | Winside, NE |
| NORFOLK BRANCH | 2100 W Pasewalk Ave | Norfolk, NE |
| ALBION BRANCH | 103 S 4th St | Albion, NE |
| PLAINVIEW BRANCH | 402 W Locust Ave | Plainview, NE |
| NORFOLK NORTH BRANCH | 1650 N 13th St | Norfolk, NE |
Showing 5 of 5
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1888 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68748 |
| State and County Number | 31119 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Norfolk, NE |
Operational Info
| Number of Employees | 53 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.madisoncountybank.com |
| Data Updated | 04/10/2026 |
| CERT | 31999 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $603.61M |
| Total Deposits | $486.23M |
| Total Liabilities | $511.97M |
| Total Equity Capital | $91.64M |
| Net Income | $2.01M |
| Net Loans and Leases | $450.40M |
| Assets Per Employee ($Millions) | $11.84M |
| Bank Premises and Fixed Assets | $8.47M |
| Cash and Balances due from Depository Institutions | $2.96M |
| Deposits Held in Domestic Offices | $486.23M |
Key Performance Ratios
| Return on Assets (ROA) | 1.31% |
| Return on Equity (ROE) | 8.81% |
| Net Interest Margin | 2.88% |
| Efficiency Ratio | 50.71% |
| Tier 1 Risk-Based Capital Ratio | 18.346% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.183% |
| Earning Assets to total Assets | 93.56% |
Income and Expense
| Total Interest Income | $7.42M |
| Total Noninterest Income | $749.00k |
| Total Interest Expense | $3.30M |
| Total Noninterest Expense | $2.49M |
| Net Interest Income | $4.12M |
| Pre-tax Net Operating Income | $2.39M |
| Provision for Credit Losses | $-7,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $18.80M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $6.94M |
| Total Liabilities and Capital | $603.61M |
Securities
| Securities | $114.23M |
| Available-for-sale debt securities | $24.39M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $89.92M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Madison County Bank?
$603.61M as of the latest filing.
How much are Madison County Bank's total deposits?
$486.23M in total deposits.
Where is Madison County Bank located?
Madison, NE.
What is the Net Interest Margin?
2.88%.
How many domestic offices does it operate?
6.
When was it established?
01/01/1888.
What is the Return on Assets (ROA)?
1.31%.
How much are total loans and leases?
$450.40M (latest filing).
What is the total interest income (latest filing)?
$7.42M.