FDIC certificate 148
Bank of Madison
Madison, Georgia · 133 N Main St 30650
Hunter Score
This bank ranks high against banks of a similar size.
Down 3 points from last quarter.
Compared with 1,424 banks with $300 million to $1 billion in assets.
A high score is not a recommendation to buy or sell.
What stands out
Bank of Madison has a Hunter Score of 85 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks high against banks of a similar size. The comparison is with banks with $300 million to $1 billion in assets.
The FDIC reported efficiency ratio of 46.52% (field EEFFR). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 88 out of 100. A rank of 50 is typical.
The FDIC reported return on equity of 18.56% (field ROE). Among banks with $300 million to $1 billion in assets, the peer rank for this measure is 83 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
- Construction loans are at least 100% of capitalConstruction and land development loans were $74,349,000. Total risk-based capital (FDIC field RBC) was $56,465,000. Loans were 132% of that capital. Bank supervisors have used 100% as a level that deserves a closer look. It is not a legal limit, and it is not a statement that the loans are in trouble.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Georgia with $300 million to $1 billion in assets, ordered by Hunter Score.
- Douglas National Bank93out of 100
- Classic City Bank91out of 100
- Northeast Georgia Bank91out of 100
- The Commercial Bank91out of 100
- FNB SOUTH90out of 100
Top Hunter Scores in Georgia · Top scores with $300 million to $1 billion in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
18.56%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 83 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
1.88%
Profit for each dollar of assets. Higher is stronger.
Peer rank 83 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
4.50%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 83 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
46.52%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 88 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.02%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 88 out of 100. Stronger than most similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202685 out of 100
- Q1 2026, ending March 31, 202688 out of 100
- Q4 2025, ending December 31, 202579 out of 100
- Q3 2025, ending September 30, 202577 out of 100
- Q2 2025, ending June 30, 202574 out of 100
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About this bank
- Total assets
- $448.1 million
- Deposits
- $398.1 million
- Equity
- $46.4 million
- Tangible equity
- $46.4 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 4
- Charter
- State bank, not a Federal Reserve member
- Specialty
- Commercial Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $4.1 millionYear-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Madison Bank Corp, Madison, GA. Federal Reserve RSSD 1135105.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
133 N Main St, Madison, GA 30650
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.