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Madison County Community Bank

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Madison County Community Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Madison County Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Madison County Community Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Madison County Community Bank, and you can see how they compare in the Madison County Community Bank rate tables below. MonitorBankRates evaluates the financial stability of Madison County Community Bank with a 4.2 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 2.89%. Database rates last updated and verified on 09/23/2026.

Madison County Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Madison County Community Bank? Share your experience about Madison County Community Bank by leaving a review below, or read customer reviews before you decide to use Madison County Community Bank.

Overall Health & Safety Grade

A-

Very Good Health Score: 90/100

MonitorBankRates Rating

4.2

Excellent Out of 5.0 Stars

Texas Ratio

2.89%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Madison County Community Bank

301 E Base St
Madison, FL 32340

https://www.mccbflorida.com

Current Rate Availability

We're not currently displaying rates for Madison County Community Bank, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Madison County Community Bank’s Texas Ratio fell from 4.75% in Q3 2023 to 2.89% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 1.3 to 4.2 and its Health Grade from D to A-. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$212M	2.89%	4.2	A-
March 31, 2026	$210M	2.06%	3.8	B
December 31, 2025	$202M	1.96%	4.4	A
September 30, 2025	$204M	2.41%	3.8	B+
June 30, 2025	$195M	3.15%	3.2	B-
March 31, 2025	$195M	3.32%	3.1	C+
December 31, 2024	$191M	4.20%	2.9	C
September 30, 2024	$185M	2.42%	3.9	B+
June 30, 2024	$183M	3.92%	2.8	C
March 31, 2024	$182M	4.25%	2.8	C
December 31, 2023	$180M	3.73%	3.2	B-
September 30, 2023	$182M	4.75%	1.3	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Madison County Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Madison County Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Madison County Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Madison County Community Bank

Bank Holding Company MADISON CMTY BANCSHARES CORP

Address 301 E Base St, Madison, FL 32340 · Madison

Website https://www.mccbflorida.com

FDIC Certificate # 35056

Established 19990505

FDIC Insurance Date 19990505

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 90/100

4.2

Excellent Out of 5.0 Stars

2.89%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8251%

Return on Equity (ROE) 13.4500%

Non-Performing Loans (NPL) 0.17%

Total Assets $211,682,000

Total Deposits $196,948,000

Equity Capital $13,108,000

Net Income $858,000

Headquarters Madison

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Madison County Community Bank

How many branches does Madison County Community Bank operate?

Madison County Community Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Madison County Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Madison County Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Madison County Community Bank offer online and mobile banking?

Most modern institutions like Madison County Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mccbflorida.com.