🏦Bank Scorer

MADISON COUNTY BANK

MADISON, NE · Supervised by OTS

Est. 1888FDIC #31,999
Satisfactory Same

Current rating · Exam: July 2007

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.31%

Institution Profile

FDIC BankFind

Address

111 W 3rd St, MADISON, NE

County

Madison County

Established

January 1, 1888

Total Assets

$604M(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

July 10, 2007

Exam Type

Small Bank

Regulator

OTS
⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$604M

Total Deposits

$486M

Net Loans

$450M

Net Income

$2M

ROA

1.31%

Above avg for Small banks. Peer avg: 0.44%

ROE

8.81%

Risk-Based Capital

19.60%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA1.31%Peer avg: 0.44%▲ Above avg
Risk-Based Capital19.60%Peer avg: 23.03%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$466M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

Exam DateRatingExam Type
Jul 2007SatisfactorySmall Bank
Mar 2003SatisfactorySmall Bank
Nov 1998SatisfactorySmall Bank

4 previous ratings locked — 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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