Madison County Financial, Inc. (MCBK)

Madison County Financial Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	26.18	25.59	23.27	20.31	16.16	15.83
Interest Income on Investments	3.77	3.77	3.79	4.63	4.02	2.62
Total Interest Income	29.95	29.36	27.06	24.94	20.17	18.45
Interest Paid on Deposits	12.21	12.93	14.1	14.31	5.98	2.8
Interest Paid on Borrowings	1.8	1.8	1.56	0.79	0.19	0.22
Total Interest Expense	14.01	14.74	15.67	15.1	6.17	3.02
Net Interest Income	15.94	14.62	11.39	9.84	14	15.43
Net Interest Income Growth	22.24%	28.34%	15.81%	-29.73%	-9.24%	3.69%
Other Non-Interest Income	2.76	2.37	1.94	2.67	2.11	1.84
Total Non-Interest Income	3.37	2.98	2.48	3.08	2.78	3.43
Non-Interest Income Growth	24.44%	19.97%	-19.43%	10.86%	-18.80%	-8.00%
Revenues Before Loan Losses	19.31	17.6	13.88	12.92	16.78	18.85
Provision for Loan Losses	0	0.01	-0.01	0.06	-2.63	-0.7
Revenue	19.31	17.6	13.89	12.86	19.41	19.55
Revenue Growth	22.57%	26.72%	7.95%	-33.72%	-0.74%	5.14%
Salaries and Employee Benefits	5.93	5.93	5.72	5.65	6.36	6.26
Occupancy Expenses	1.01	1.01	1.01	1.04	1.1	1.14
Federal Deposit Insurance	0.26	0.26	0.26	0.26	0.15	0.12
Amortization of Goodwill & Intangibles	0.07	0.07	0.08	0.08	0.08	0.09
Selling, General & Administrative	1.99	1.99	1.92	1.86	2.09	2.36
Other Non-Interest Expense	1.02	0.69	0.71	0.79	0.66	0.71
Total Non-Interest Expense	10.27	9.94	9.69	9.68	10.45	10.67
EBT Excluding Unusual Items	9.04	7.66	4.19	3.19	8.96	8.89
Pretax Income	9.04	7.66	4.19	3.19	8.96	8.89
Income Tax Expense	1.49	1.15	0.38	-0.04	1.26	1.47
Net Income	7.56	6.5	3.82	3.23	7.7	7.41
Preferred Dividends & Other Adjustments	-	-	-	-	0	0.02
Net Income to Common	7.56	6.5	3.82	3.23	7.7	7.4
Net Income Growth	48.15%	70.37%	18.32%	-58.09%	4.06%	10.39%
Basic Shares Outstanding	3	3	3	3	3	3
Diluted Shares Outstanding	3	3	3	3	3	3
Shares Change	-1.07%	-1.34%	0.23%	-2.02%	0.15%	0.40%
EPS (Basic)	2.96	2.54	1.47	1.27	3.03	2.94
EPS (Diluted)	2.96	2.54	1.47	1.24	2.91	2.80
EPS Growth	49.79%	72.60%	18.54%	-57.39%	3.93%	9.80%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	-	-	0.360	0.300	0.720	0.690
Dividend Growth	-	-	20.00%	-58.33%	4.35%	9.52%
Effective Tax Rate	16.42%	15.07%	8.99%	-	14.06%	16.58%

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 5, 2026

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