Madison County Community Bank
Madison, FL
IDRSSD: 2805928
Total Assets
$203.85M
Latest filing
Total Deposits
$190.31M
Latest filing
Net Interest Margin
3.99%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 37 |
| 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 | 11/14/2025 |
| CERT | 35056 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $203.85M |
| Total Deposits | $190.31M |
| Total Liabilities | $191.94M |
| Total Equity Capital | $11.91M |
| Net Income | $454.00k |
| Net Loans and Leases | $100.15M |
| Assets Per Employee ($Millions) | $5.36M |
| Bank Premises and Fixed Assets | $8.18M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $190.31M |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 16.46% |
| Net Interest Margin | 3.99% |
| Efficiency Ratio | 71.39% |
| Tier 1 Risk-Based Capital Ratio | 13.798% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 5.843% |
| Earning Assets to total Assets | 90.82% |
Income and Expense
| Total Interest Income | $2.58M |
| Total Noninterest Income | $339.00k |
| Total Interest Expense | $784.00k |
| Total Noninterest Expense | $1.52M |
| Net Interest Income | $1.79M |
| Pre-tax Net Operating Income | $580.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $1.64M |
| Total Liabilities and Capital | $203.85M |
Securities
| Securities | $70.61M |
| Available-for-sale debt securities | $70.61M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$203.85M as of the latest filing.
How much are Madison County Community Bank's total deposits?
$190.31M in total deposits.
Where is Madison County Community Bank located?
Madison, FL.
What is the Net Interest Margin?
3.99%.
How many domestic offices does it operate?
2.
When was it established?
05/05/1999.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$100.15M (latest filing).
What is the total interest income (latest filing)?
$2.58M.