TellerScore

Bank of Madison (FDIC certificate #148) is based in Madison, Georgia. Its Q2 2026 call report shows $448.1M in total assets and $398.1M in deposits and 4 offices.

Bank of Madison has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 30th. Problem-loan coverage contributes the most (100/100, 0.1%); funding & liquidity contributes the least (63/100, 81% loans-to-deposits, 29% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.59%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings95/100
Return on assets (annualized): 1.88%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 80.9% · 29.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.11%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (77 → 83), mostly because the earnings component improved by 18 points.

TellerScore
758084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202476
Q4 202476
Q1 202579
Q2 202577
Q3 202579
Q4 202579
Q1 202684
Q2 202683
Tier 1 leverage ratio
5.00%8.29%11.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.41%
Q3 202410.73%
Q4 202410.45%
Q1 202510.94%
Q2 202510.66%
Q3 202511.11%
Q4 202510.91%
Q1 202611.38%
Q2 202611.59%
Noncurrent loans
0.02%0.03%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.05%
Q4 20240.04%
Q1 20250.04%
Q2 20250.04%
Q3 20250.05%
Q4 20250.02%
Q1 20260.02%
Q2 20260.02%
Return on assets
1.30%1.65%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.33%
Q3 20241.30%
Q4 20241.32%
Q1 20251.48%
Q2 20251.43%
Q3 20251.56%
Q4 20251.58%
Q1 20262.01%
Q2 20261.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$448.1M11.59%0.02%1.88%80.9%
Q1 202684$449.1M11.38%0.02%2.01%78.3%
Q4 202579$426.3M10.91%0.02%1.58%83.0%
Q3 202579$433.1M11.11%0.05%1.56%78.8%
Q2 202577$435.2M10.66%0.04%1.43%76.7%
Q1 202579$432.0M10.94%0.04%1.48%75.5%
Q4 202476$399.1M10.45%0.04%1.32%81.0%
Q3 202476$415.5M10.73%0.05%1.30%78.6%
Q2 202475$411.7M10.41%0.05%1.33%78.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.59%
59th
Total risk-based capital15.86%
72nd
Problem loans0.02%
84th
Net charge-offs0.00%
60th
Return on assets1.88%
83rd
Net interest margin4.50%
80th
Efficiency ratio46.5%
89th
Loans to deposits80.9%
48th
Uninsured deposits29.2%
31st
Loan-loss reserves1.44%
74th
Texas ratio0.1%
85th

Similar-size banks in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
First Peoples BankBank Pine Mountain, GA77 out of 100, Strong$449.4M12.8%0.12%vs
The Bank of LaFayette, GeorgiaBank La Fayette, GA56 out of 100, Moderate$446.8M9.4%1.44%vs
Glennville BankBank Glennville, GA73 out of 100, Strong$444.2M11.0%1.09%vs
The Commercial BankBank Crawford, GA79 out of 100, Strong$463.7M10.7%0.17%vs
River City BankBank Rome, GA77 out of 100, Strong$423.4M10.1%0.00%vs
Great Oaks BankBank Richmond Hill, GA76 out of 100, Strong$422.0M10.3%0.10%vs

Deposit insurance

Is my money safe at Bank of Madison?

Yes. Bank of Madison is an FDIC-insured institution (FDIC certificate #148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.2% of deposits ($116.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.59%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.86% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Bank of Madison lists 3 offices in 2 cities. Most locations:

  • Madison, GA (2)
  • Social Circle, GA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Madison
Type
State-chartered bank
FDIC certificate #
148
RSSD ID
752831
Primary regulator
FDIC
Holding company
Madison Bank Corp
Established
January 1, 1890
Headquarters
133 N Main St, Madison, GA 30650
Employees
69

Quick answers

Bank of Madison: common questions

Is Bank of Madison FDIC insured?

Yes. Bank of Madison is an FDIC-insured institution (FDIC certificate #148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Madison's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Madison ever failed?

There is no failure record for FDIC certificate #148 in the FDIC failed bank list.

How many branches does Bank of Madison have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Madison

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Robins Financial Credit UnionCredit union Warner Robins, GA94 out of 100, Very strong$5.0B17.6%0.40%vs
United BankBank Zebulon, GA89 out of 100, Very strong$2.2B12.8%0.23%vs
First American Bank and Trust CompanyBank Athens, GA86 out of 100, Very strong$901.9M13.3%0.00%vs
Bank of MonticelloBank Monticello, GA83 out of 100, Strong$158.0M14.5%1.06%vs
The Peoples BankBank Eatonton, GA79 out of 100, Strong$269.7M11.7%0.00%vs