Madison County Financial, Inc. (MCBK)

Madison County Financial Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	-	9.09	6.51	6.3	5.16
Investment Securities	122.4	111.78	113.23	112.4	105.14
Total Investments	122.4	111.78	113.23	112.4	105.14
Gross Loans	472.95	469.67	456.99	430.73	374.48
Allowance for Loan Losses	-6.38	-6.38	-6.38	-6.41	-9.03
Net Loans	466.56	463.29	450.61	424.33	365.45
Property, Plant & Equipment	-	8.9	9.2	9.49	9.81
Goodwill	-	1.2	1.2	1.2	1.2
Other Intangible Assets	-	0.38	0.46	0.54	0.62
Accrued Interest Receivable	-	7.22	7.28	5.33	4.42
Restricted Cash	-	0.07	0.06	17.33	21.37
Long-Term Deferred Tax Assets	-	0.83	0.83	1.22	1.59
Other Long-Term Assets	37.47	11.38	11.63	11.72	11.37
Total Assets	626.44	622.25	609.71	596.27	532.72
Accrued Expenses	-	3.47	3.28	3.29	3.06
Interest Bearing Deposits	445.66	411.94	395.34	437.76	367.01
Institutional Deposits	-	1.9	0.25	0.25	2.12
Non-Interest Bearing Deposits	-	45.63	42.21	47.24	44.18
Total Deposits	445.66	459.46	437.8	485.25	413.31
Short-Term Borrowings	-	31.1	44.07	-	-
Current Portion of Long-Term Debt	-	3.2	-	-	-
Accrued Interest Payable	-	0.37	0.37	0.08	0.08
Federal Home Loan Bank Debt, Long-Term	72.6	26	28.2	13.2	20.7
Other Long-Term Liabilities	7.49	3.46	3.56	3.66	8.33
Total Liabilities	525.75	527.07	517.27	505.48	445.49
Common Stock	100.68	0.03	0.03	0.03	0.03
Additional Paid-In Capital	-	20	20.48	20.56	21.33
Retained Earnings	-	77.76	74.72	73.32	67.39
Comprehensive Income & Other	-	-2.6	-2.78	-3.11	-1.51
Shareholders' Equity	100.68	95.18	92.44	90.79	87.23
Total Liabilities & Equity	626.44	622.25	609.71	596.27	532.72
Total Debt	72.6	60.3	72.27	13.2	20.7
Net Cash (Debt)	-72.6	-51.21	-65.51	-5.9	-14.3
Net Cash Per Share	-28.32	-19.71	-25.27	-2.23	-5.41
Filing Date Shares Outstanding	2.54	2.58	2.6	2.55	2.54
Total Common Shares Outstanding	2.55	2.58	2.58	2.54	2.53
Book Value Per Share	39.54	36.86	35.87	35.78	34.54
Tangible Book Value	100.68	93.6	90.78	89.05	85.41
Tangible Book Value Per Share	39.54	36.24	35.23	35.10	33.82

Source: S&P Global Market Intelligence. Banks template. Financial Sources.