Madison County Bank (FDIC certificate #31999) is based in Madison, Nebraska. Its Q2 2026 call report shows $613.2M in total assets and $479.2M in deposits and 6 offices.
Madison County Bank has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 28th. Capital cushion contributes the most (100/100, 15.11%); funding & liquidity contributes the least (56/100, 95% loans-to-deposits, 23% uninsured).
TellerScore · Q2 2026
Scorecard
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 4 points (81 → 85), mostly because the earnings component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 82 |
| Q2 2025 | 81 |
| Q3 2025 | 82 |
| Q4 2025 | 83 |
| Q1 2026 | 85 |
| Q2 2026 | 85 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.42% |
| Q3 2024 | 14.34% |
| Q4 2024 | 14.34% |
| Q1 2025 | 14.44% |
| Q2 2025 | 14.52% |
| Q3 2025 | 14.61% |
| Q4 2025 | 14.68% |
| Q1 2026 | 14.90% |
| Q2 2026 | 15.11% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.37% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.99% |
| Q2 2025 | 0.99% |
| Q3 2025 | 1.03% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $613.2M | 15.11% | 0.37% | 1.33% | 94.9% |
| Q1 2026 | 85 | $603.6M | 14.90% | 0.37% | 1.31% | 92.6% |
| Q4 2025 | 83 | $626.4M | 14.68% | 0.15% | 1.07% | 102.1% |
| Q3 2025 | 82 | $613.1M | 14.61% | 0.15% | 1.03% | 99.5% |
| Q2 2025 | 81 | $608.9M | 14.52% | 0.15% | 0.99% | 97.4% |
| Q1 2025 | 82 | $605.5M | 14.44% | 0.15% | 0.99% | 94.5% |
| Q4 2024 | 78 | $622.2M | 14.34% | 0.16% | 0.64% | 98.7% |
| Q3 2024 | 78 | $598.6M | 14.34% | 0.17% | 0.60% | 96.7% |
| Q2 2024 | 78 | $596.0M | 14.42% | 0.18% | 0.58% | 96.5% |
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).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| Mnb BankBank Mccook, NE | 75 out of 100, Strong | $594.1M | 11.1% | 0.15% | vs |
| Riverstone BankBank Eagle, NE | 76 out of 100, Strong | $593.4M | 9.7% | 0.05% | vs |
| Bank of the ValleyBank Bellwood, NE | 70 out of 100, Strong | $581.9M | 9.9% | 0.05% | vs |
| Horizon BankBank Waverly, NE | 87 out of 100, Very strong | $574.3M | 14.0% | 0.46% | vs |
| Enterprise BankBank Omaha, NE | 70 out of 100, Strong | $574.0M | 11.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Madison County Bank?
Yes. Madison County Bank is an FDIC-insured institution (FDIC certificate #31999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.4% of deposits ($111.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.11%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.54% (benchmark: 10%).
6 locations
Branches
Madison County Bank lists 6 offices in 5 cities. Most locations:
- Norfolk, NE (2)
- Albion, NE (1)
- Madison, NE (1)
- Plainview, NE (1)
- Winside, NE (1)
Identity & history
Profile
- Legal name
- Madison County Bank
- Former names
- The Madison County Building and Loan Association; Madison County Bank, FSB
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 31999
- RSSD ID
- 385471
- Primary regulator
- FED
- Holding company
- Madison County Financial Inc
- Established
- January 1, 1888
- Headquarters
- 111 W 3rd St, Madison, NE 68748
- Website
- www.madisoncountybank.com
- Employees
- 52
Quick answers
Madison County Bank: common questions
Is Madison County Bank FDIC insured?
Yes. Madison County Bank is an FDIC-insured institution (FDIC certificate #31999). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Madison County Bank's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Madison County Bank ever failed?
There is no failure record for FDIC certificate #31999 in the FDIC failed bank list.
How many branches does Madison County Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Madison
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| BankFirstBank Norfolk, NE | 85 out of 100, Very strong | $1.2B | 15.3% | 0.84% | vs |
| Clarkson BankBank Clarkson, NE | 82 out of 100, Strong | $81.4M | 11.0% | 0.19% | vs |
| Battle Creek State BankBank Battle Creek, NE | 81 out of 100, Strong | $71.0M | 14.4% | 0.00% | vs |
| Meadow Grove Federal Credit UnionCredit union Meadow Grove, NE | 76 out of 100, Strong | $6.3M | 15.4% | 2.10% | vs |
| First Nebraska BankBank Valley, NE | 75 out of 100, Strong | $371.4M | 10.3% | 0.23% | vs |