Side-by-side · Q2 2026 data
Madison County Community Bank vs Gulf Coast Business Bank
Metric by metric
| Measure | Madison County Community Bank | Gulf Coast Business Bank |
|---|---|---|
| TellerScore | 66 | 70 (stronger) |
| Capital cushion | 34 | 75 (stronger) |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 53 (stronger) | 35 |
| Funding & liquidity | 88 (stronger) | 37 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 31st | 43rd |
| Total assets | $211.7M | $186.6M |
| Deposits / shares | $196.9M | $160.3M |
| Capital ratio | 8.42% | 12.53% (stronger) |
| Problem loans | 0.30% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.83% (stronger) | 0.37% |
| Loans ÷ deposits | 59.1% (stronger) | 97.3% |
| Uninsured deposits | 26.1% (stronger) | 38.3% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gulf Coast Business Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Madison County Community Bank leads on 3 and Gulf Coast Business Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.