Side-by-side · Q2 2026 data
Madison County Community Bank vs Gulf Atlantic Bank
Metric by metric
| Measure | Madison County Community Bank | Gulf Atlantic Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 62 |
| Capital cushion | 34 | 44 (stronger) |
| Loan quality | 90 | 93 (stronger) |
| Earnings | 53 (stronger) | 47 |
| Funding & liquidity | 88 (stronger) | 46 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 31st | 22nd |
| Total assets | $211.7M | $253.2M |
| Deposits / shares | $196.9M | $213.0M |
| Capital ratio | 8.42% | 9.38% (stronger) |
| Problem loans | 0.30% | 0.20% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.19% |
| Return on assets | 0.83% (stronger) | 0.68% |
| Loans ÷ deposits | 59.1% (stronger) | 89.1% |
| Uninsured deposits | 26.1% (stronger) | 37.7% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Madison County Community Bank has the higher TellerScore (66 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Madison County Community Bank leads on 5 and Gulf Atlantic Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.