Headquartered in Madison, Florida, Madison County Community Bank is a state-chartered bank with $211.7M in total assets and $196.9M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1999.
Madison County Community Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 53rd. Problem-loan coverage contributes the most (95/100, 2.6%); capital cushion contributes the least (34/100, 8.42%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 66 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 67 |
| Q4 2025 | 68 |
| Q1 2026 | 66 |
| Q2 2026 | 66 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.93% |
| Q3 2024 | 8.86% |
| Q4 2024 | 8.90% |
| Q1 2025 | 8.39% |
| Q2 2025 | 8.49% |
| Q3 2025 | 8.50% |
| Q4 2025 | 8.65% |
| Q1 2026 | 8.37% |
| Q2 2026 | 8.42% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.69% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.81% |
| Q4 2025 | 0.83% |
| Q1 2026 | 0.74% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $211.7M | 8.42% | 0.30% | 0.83% | 59.1% |
| Q1 2026 | 66 | $210.0M | 8.37% | 0.20% | 0.74% | 54.9% |
| Q4 2025 | 68 | $202.3M | 8.65% | 0.21% | 0.83% | 55.9% |
| Q3 2025 | 67 | $203.9M | 8.50% | 0.25% | 0.81% | 52.6% |
| Q2 2025 | 66 | $194.9M | 8.49% | 0.29% | 0.77% | 53.5% |
| Q1 2025 | 65 | $194.8M | 8.39% | 0.33% | 0.64% | 48.6% |
| Q4 2024 | 66 | $191.2M | 8.90% | 0.36% | 0.69% | 45.6% |
| Q3 2024 | 66 | $185.3M | 8.86% | 0.32% | 0.58% | 47.5% |
| Q2 2024 | 65 | $183.2M | 8.93% | 0.42% | 0.52% | 48.2% |
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 Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Surety BankBank Deland, FL | 90 out of 100, Very strong | $213.7M | 13.2% | 0.22% | vs |
| Commerce Bank & TrustBank Winter Park, FL | 44 out of 100, Below average | $197.9M | 10.5% | 3.44% | vs |
| Gulf Coast Business BankBank Fort Myers, FL | 70 out of 100, Strong | $186.6M | 12.5% | 0.00% | vs |
| The Warrington BankBank Pensacola, FL | 88 out of 100, Very strong | $173.9M | 16.7% | 0.00% | vs |
| Lafayette State BankBank Mayo, FL | 74 out of 100, Strong | $252.2M | 9.9% | 0.06% | vs |
| Gulf Atlantic BankBank Key West, FL | 62 out of 100, Moderate | $253.2M | 9.4% | 0.20% | vs |
Deposit insurance
Is my money safe at Madison County Community Bank?
Yes. Madison County Community Bank is an FDIC-insured institution (FDIC certificate #35056). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.1% of deposits ($51.5M) 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 8.42%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.16% (benchmark: 10%).
2 locations
Branches
Madison County Community Bank lists 2 offices in 2 cities. Most locations:
- Madison, FL (1)
- Perry, FL (1)
Identity & history
Profile
- Legal name
- Madison County Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 35056
- RSSD ID
- 2805928
- Primary regulator
- FDIC
- Holding company
- Madison Cmty Bancshares Corp
- Established
- May 5, 1999
- Headquarters
- 301 E Base St, Madison, FL 32340
- Website
- www.mccbflorida.com
- Employees
- 38
Quick answers
Madison County Community Bank: common questions
Is Madison County Community Bank FDIC insured?
Yes. Madison County Community Bank is an FDIC-insured institution (FDIC certificate #35056). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Madison County Community Bank's TellerScore?
66 out of 100 (Moderate), 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 Community Bank ever failed?
There is no failure record for FDIC certificate #35056 in the FDIC failed bank list.
How many branches does Madison County Community Bank have?
2 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 |
|---|---|---|---|---|---|
| Madison Education Assoc. Credit UnionCredit union Madison, FL | 80 out of 100, Strong | $7.3M | 14.4% | 0.86% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| Pinnacle BankBank Nashville, TN | 60 out of 100, Moderate | $128.8B | 9.0% | 0.48% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |
| First Federal Savings and Loan Association of ValdostaBank Valdosta, GA | 57 out of 100, Moderate | $278.5M | 12.3% | 1.79% | vs |