# MADISON COUNTY BANK
MADISON, NE · FDIC certificate 31999 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $613.2M | |
| Deposits | $479.2M | |
| Loans and leases | $461.4M | |
| Total equity | $92.7M | |
| Loans / deposits | 94.94% (p82 of band) | 82.04% |
| Liquid assets / assets | 19.77% (p31 of band) | |
| Uninsured deposits / deposits | 23.36% (p41 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.61% (p61 of band) | |
| FHLB advances / assets | 3.02% | |
| Tier 1 leverage | 15.11% (p90 of band) | 10.81% |
| Unrealized securities loss / equity | -15.29% (p30 of band) | -8.10% |
| AOCI / equity | -0.09% (p67 of band) | |
| ROA (annualized) | 1.33% (p53 of band) | 1.28% |
| Net interest margin | 2.90% (p8 of band) | 3.91% |
| Efficiency ratio | 50.68% (p20 of band) | |
| Noncurrent loans | 0.37% (p47 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 369.35% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 5.18% (p9 of band) | |
| Auto loans | $3.3M (0.73% of loans; DQ 1.34%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 52 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | loans exceed deposits |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | loans exceed deposits |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | loans exceed deposits |  |
| 2014-03 | 0 |  | loans exceed deposits |
| 2014-06 | 1 | loans exceed deposits |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | loans exceed deposits |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | NIM <2.5% |  |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 4 | loans exceed deposits |  |
| 2024-03 | 4 | assets shrinking | loans exceed deposits |
| 2024-06 | 2 |  | uninsured deposits leaving, assets shrinking |
| 2024-09 | 1 |  | deposits shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | loans exceed deposits, uninsured deposits leaving | NIM <2.5% |
| 2026-03 | 0 |  | loans exceed deposits, uninsured deposits leaving |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-09-10 [Bank of Madison County’s new downtown Edwardsville facility brings market president ‘full circle’ - Illinois Business Journal](https://news.google.com/rss/articles/CBMizAFBVV95cUxQWTV2UmFwRklCa3lwWmN2WkJILVpxZjhfb1pnVGZxYlVaSkpjckg0TUVJTVJnQnpWLUozc2pfNlZoVm1NdVQyNi1XbjI5bm52QlhlVm1lSFVfSkFlUl95WnZnZmRNbHdLcFVKT3JpUGRKVEI0cGFLcWp3UExIU1JEazdzS0stU3ZqM1FkTHV6XzNqYlFzU2RFTXpubDBHWUh6WlFuXy1mSnhLN2NXNGRMSUluV0Z6aS1zZmJPdkkwa0NOZE11bjAweXh2Qzg?oc=5) · Illinois Business Journal
- 2026-09-04 [Madison County Bank - The Norfolk Daily News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPS3JNS2UyOWFoWlJUd3lETm9VS01ZTzZPWlBQSGNJcGo4Y0F1TUNxVVl6X0lRTjFVOExKZ3pWaGw0ZFJDQ1FscTBBS2RxVmNVNXBENU9CRGZHNnNSS1czY2J3NFVyMEZBa0x4aEFBaERYOVhlajFRV1h2cHVYWkRHUW5KSjcwSkhPNFB1TllTUl9UUlhXc1BVMEwtTkJKcDZDbGZsTVRSWVdXd3VISGNqeGxwQWhIMnZqejZWZm5yMUo?oc=5) · The Norfolk Daily News
- 2021-04-06 [Bank of Madison County opens branch in downtown Edwardsville - theintelligencer.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQTXUyLVNnempWMTdlVkMzVG1rMmh1bXNiUk1rRGUwellmdlFjcU9OUFRoTnVjcmd0aElkYkNpWXJJRV9Bd1U0OVZJUVAyRkhudkR3OEQxWEMtWHNtR3QyWU5PaTlVMDBwR21fa19OanBEakpTeVU4V1RBZ1kwclBQak1SSlVPMm5YbFZ1cEl1MkxLc3lycUlhX1lCS2NIVTFGcWgxcFljekF0dw?oc=5) · theintelligencer.com
- 2025-03-10 [Man facing federal charges for four Madison County bank robberies in under a year - WHNT.com](https://news.google.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?oc=5) · WHNT.com
- 2021-08-03 [Bank of Clinton County formally opens in New Baden - Illinois Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxObVlnRmh4blRFUTl2OWF3WGFtT1FPNHU0ZWhtSDB2RS1KTkZnRFlxRzVvTk5sLW1WeWp2VXN1b1Nvb284OWVSMU9pUmd4Um5iT1BaSGNwbG5ONnkyWDBWQ3ZwYVpmektiX3RJaGw4OFIwampsejVlaU5vSUo0TE1HcnFmWmRsY09sV0t4R0tyLTJHZw?oc=5) · Illinois Business Journal
- 2016-08-13 [Thomas Zach Obituary Aug 13, 2016 - Cozine Memorial Group](https://news.google.com/rss/articles/CBMiWEFVX3lxTE5PbXQyTnFDR09aQjRiVzlUcDBHNllha1JfYUJLWTFuNkxFdnE3ZkFOVlFNcklxc2o0blI1MWQyMHFfZkpqaHhtVnROdExMOU54Z0VIZ016S2s?oc=5) · Cozine Memorial Group
- 2016-09-06 [Masked man who robbed Citizens Bank in village of DeRuyter arrested, police say - Syracuse.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxPREtqTl8yVWI0T0ZnMkVXbXRqaGZwTG5HRERvSDBWR1NkS2lKcmxJU0NKU0tyVUNEeklWaEhJY2kzVmZzU0Y3ZG9CZ001N010Q2w1RmlrNG1WblBOcV9PZDUyTUZ2eVRJOGpOX1RHVEI0UzFYYVZ6a2R2d0VWVVlVczJjVVRkOVlQRjNGbEtPdG5sTU9qbHp2VHVQQ2ZXUGFiWE9VUDEzMWFVMXBobElzdDVjVEszOXhZSmhMTA?oc=5) · Syracuse.com
- 2026-06-29 [Agenda for upcoming county commissioners meeting - The Norfolk Daily News](https://news.google.com/rss/articles/CBMizAFBVV95cUxPc0N2Qk4yLUxiWUVFWjZjVllqSVRFUHF0X3lVMUhIVUFWWTFlUHdrU1d5WElGSW5vekpPZnh0bFJMS1JPM2RqQlMtVjVWMXV1SUMyRU5YX2cxVnlhcEJ6dTFUZDlpNjZTcHdYRThRaEhGNUxFTF9vMkl1YzF2bFpaTEI2aE0wRjVMelZnSHl6WDBLbHFZUEtwRm5SZ3dZLUFFdGFLMkp4MWstQ01GQXBueXI2Ul9OcWo4MWdfWW5UTVp5ZExyWGd0OVdydjQ?oc=5) · The Norfolk Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31999 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "31999", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide