BlastPoint's Banking Scorecard
Madison County Bank
Community
Specialty: Agricultural
NE
FDIC cert 31999
Madison, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Madison County Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18% in Community
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 18% in Community
- - Deposit Outflow: Bottom 24% in Community
- - Liquidity Strain: Bottom 34% in Community
- - Flatlined Growth: Bottom 50% in Community
- - Net Interest Margin 1.10% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$626.4M
+0.7% YoY
+2.2% QoQ
|
-$765.1M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$466.6M
+0.7% YoY
+2.0% QoQ
|
-$508.9M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$457.1M
-2.6% YoY
-0.6% QoQ
|
-$707.5M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.07%
+66.9% YoY
+3.7% QoQ
|
-0.09% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
2.56%
+25.6% YoY
+2.7% QoQ
|
-1.10% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
55.76%
-19.2% YoY
-1.1% QoQ
|
-6.87% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.15%
-7.8% YoY
+0.8% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
102.08%
+3.4% YoY
+2.6% QoQ
|
+19.02% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.08%
-10.2% YoY
+11.1% QoQ
|
-9.97% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-7.7% YoY
+0.6% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
17.49%
+1.7% YoY
-2.0% QoQ
|
+7.25% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.49%
+18.9% YoY
+37.7% QoQ
|
-0.25% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#66 of 371 · Top 18% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (5)
Liquidity Overhang
risk
#50 of 268 · Bottom 18% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.49%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
102.08%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#60 of 248 · Bottom 24% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Liquidity Strain
risk
#174 of 513 · Bottom 34% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
102.08%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#122 of 245 · Bottom 50% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.07%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.56%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Tier 1 Capital Ratio
Current: 17.49% · Tier avg: 10.24%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
71
71th pctile
Efficiency Ratio
Current: 55.76% · Tier avg: 62.63%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
25
25th pctile
Total Loans
Current: $466.6M · Tier avg: $975.5M
18
18th pctile
Total Assets
Current: $626.4M · Tier avg: $1.4B
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 11.08% · Tier avg: 21.05%
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.08% · Tier avg: 83.06%
7
7th pctile
Net Interest Margin
Current: 2.56% · Tier avg: 3.66%
6
6th pctile
Total Deposits
Current: $457.1M · Tier avg: $1.2B
Top Weaknesses
6
6th pctile
Total Deposits
Current: $457.1M · Tier avg: $1.2B
7
7th pctile
Net Interest Margin
Current: 2.56% · Tier avg: 3.66%
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.08% · Tier avg: 83.06%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 11.08% · Tier avg: 21.05%
18
18th pctile
Total Assets
Current: $626.4M · Tier avg: $1.4B
25
25th pctile
Total Loans
Current: $466.6M · Tier avg: $975.5M
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
71
71th pctile
Efficiency Ratio
Current: 55.76% · Tier avg: 62.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.49% · Tier avg: 10.24%