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	6.33	9.16	6.51	6.3	5.16
Investment Securities	113.7	111.78	113.23	112.4	105.14
Total Investments	113.7	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	8.55	8.9	9.2	9.49	9.81
Goodwill	1.2	1.2	1.2	1.2	1.2
Other Intangible Assets	0.31	0.38	0.46	0.54	0.62
Accrued Interest Receivable	8.6	7.22	7.28	5.33	4.42
Restricted Cash	0.08	-	0.06	17.33	21.37
Long-Term Deferred Tax Assets	0.28	0.83	0.83	1.22	1.59
Other Long-Term Assets	12.13	11.38	11.63	11.72	11.37
Total Assets	626.44	622.25	609.71	596.27	532.72
Accrued Expenses	3.63	3.47	3.28	3.29	3.06
Interest Bearing Deposits	401.26	411.94	395.34	437.76	367.01
Institutional Deposits	7.78	1.9	0.25	0.25	2.12
Non-Interest Bearing Deposits	36.63	45.63	42.21	47.24	44.18
Total Deposits	445.66	459.46	437.8	485.25	413.31
Short-Term Borrowings	49.1	31.1	44.07	-	-
Current Portion of Long-Term Debt	5.8	-	-	-	-
Accrued Interest Payable	0.5	0.37	0.37	0.08	0.08
Federal Home Loan Bank Debt, Long-Term	17.7	29.2	28.2	13.2	20.7
Other Long-Term Liabilities	3.36	3.46	3.56	3.66	8.33
Total Liabilities	525.75	527.07	517.27	505.48	445.49
Common Stock	0.03	0.03	0.03	0.03	0.03
Additional Paid-In Capital	19.24	20	20.48	20.56	21.33
Retained Earnings	83.34	77.76	74.72	73.32	67.39
Comprehensive Income & Other	-1.92	-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)	-66.27	-51.14	-65.51	-5.9	-14.3
Net Cash Per Share	-25.85	-19.68	-25.27	-2.23	-5.41
Filing Date Shares Outstanding	2.55	2.58	2.6	2.55	2.54
Total Common Shares Outstanding	2.56	2.58	2.58	2.54	2.53
Book Value Per Share	39.39	36.86	35.87	35.78	34.54
Tangible Book Value	99.18	93.6	90.78	89.05	85.41
Tangible Book Value Per Share	38.80	36.24	35.23	35.10	33.82

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