Is Bank of Madison Safe?
Bank of Madison has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is loan quality (99/100), while liquidity is its weakest area (64/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.46% | 88/100 |
| Nonperforming Loan Ratio | 0.05% | 99/100 |
| Liquidity Ratio | 20.94% | 64/100 |
| Return on Assets | 1.75% | 90/100 |
| Total Assets | $0.4B | |
How does Bank of Madison compare?
With a Bank Health Score of 86/100, Bank of Madison sits 16.0 points above the national average of 70/100 for FDIC-insured banks. Within Georgia, where 123 FDIC-insured banks are headquartered, Bank of Madison ranks above the state average of 76/100 (Grade B).
The bank's Tier 1 capital ratio of 13.46% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.05% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of Madison's Bank Health Score fell by 1.0 points to 86/100. Tier 1 capital weakened by 0.29 percentage points to 13.46%. Quarter-over-quarter, the score rose by 2.0 points.
Bank of Madison has a Bank Health Score of 86/100 (A), based on FDIC call report data. Its strongest factor is loan quality (99/100), while liquidity is its weakest area (64/100).