Madison County Bank (FDIC #31999): Bank Stress & Real-Estate Credit Exposure
Madison County Bank (FDIC Cert #31999): bank stress 46/100, moderate, STABLE over 7 days; parent MADISON COUNTY FINANCIAL INC.
Madison County Bank (#31999) lends in 4 counties across 1 state; Madison County Bank (#31999) reaches 29 ZIP codes: Nebraska 4 counties, 29 ZIPs.
Madison County Bank (#31999) largest markets: Wayne County, NE (11 branches, 11 ZIPs) (#31999), Pierce County, NE (9 branches, 9 ZIPs) (#31999), Boone County, NE (8 branches, 8 ZIPs) (#31999), Madison County, NE (24 branches, 8 ZIPs) (#31999).
Madison County Bank (#31999) reports $613.2 million in total assets; Madison County Bank (#31999) equity $92.7 million (15.1% of Madison County Bank (#31999) assets); Madison County Bank (#31999) domestic deposits $479.2 million; Madison County Bank (#31999) net income $4.1 million; Madison County Bank (#31999) return on assets 1.33%; Madison County Bank (#31999) return on equity 8.93%; Madison County Bank (#31999) net interest income $8.3 million; Madison County Bank (#31999) call report June 30, 2026.
Madison County Bank (#31999) noncurrent real-estate loans: none reported; Madison County Bank (#31999) net charge-offs on real estate 0.43%; Madison County Bank (#31999) multifamily charge-offs 1.64%.
Madison County Bank (#31999) net interest margin 2.90% against an eight-quarter Madison County Bank (#31999) average of 2.46% (Madison County Bank (#31999) compression -0.44 points); Madison County Bank (#31999) rate-exposure score 40/100, Madison County Bank (#31999) fixed-rate trap 40/100; Madison County Bank (#31999) risk type credit driven; Madison County Bank (#31999) rate regime rates elevated, Madison County Bank (#31999) snapshot October 20, 2026.
Madison County Bank (#31999) stress score moved from 44.6 on June 22, 2026 to 45.8 on October 20, 2026; Madison County Bank (#31999) ranged 44.6 to 45.8 over 117 snapshots.
Madison County Bank (#31999) alerts: 4 counties; top Madison County Bank (#31999) alert scores: Albion County, NE 18 (low); Norfolk County, NE 18 (low); Plainview County, NE 18 (low); Winside County, NE 18 (low).