🏦Bank Scorer

BANK OF MADISON

MADISON, GA · Supervised by FDIC

Est. 1890FDIC #148RSSD: FDIC-148
Part ofMADISON BANK CORP→ View all charters
Satisfactory Same

Current rating · Exam: September 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.01%

Institution Profile

FDIC BankFind

Address

133 N Main St, MADISON, GA

County

Morgan County

Established

January 1, 1890

Total Assets

$449M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$449M

Total Deposits

$401M

Net Loans

$314M

Net Income

$2M

ROA

2.01%

ROE

20.07%

Risk-Based Capital

15.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.04%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$391M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244985.71%2.04%
20236680.3%4.55%
20196495.31%0.00%
20187584%9.33%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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