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Bank Of Madison

Madison, GA · Est. 1890 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Bank Of Madison is a bank based in Madison, Georgia, established in 1890, with $449 million in total assets across 4 branches. By Trust Grade it ranks 5th of 124 banks we track in Georgia. Its capital ratio of 9.9% trails most similarly sized banks (46th percentile), versus a Georgia median of 10.5%. It was profitable over the most recent period, with a 2.01% return on assets. No consumer complaints against Bank Of Madison appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$449.1M
$100M–1B institution
Deposits
$400.8M
Branches
4
Capital ratio
9.9%
Bottom 46% of $100M–1B peers · Georgia median 10.5%
Return on assets
2.0%
Top 12% of $100M–1B peers · Georgia median 1.53%
Rank in Georgia
#5
of 124 banks

How Bank Of Madison compares to Georgia peers

Capital ratio
Bottom 46% of $100M–1B peers
Bank Of
9.9%
Georgia median
10.5%
Higher capital ratio = stronger financial cushion
Return on assets
Top 12% of $100M–1B peers
Bank Of
2.0%
Georgia median
1.5%
Higher ROA = more profitable relative to asset base

How we graded Bank Of Madison

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (9.9% capital ratio)
  • Strongly profitable (ROA 2.01%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Bank Of Madison over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (4)

  • 133 N Main St, Madison, GA 30650
  • 153 N Main St, Madison, GA 30650
  • 1540 Eatonton Rd, Madison, GA 30650
  • 1281 N Cherokee Rd, Social Circle, GA 30025

Are deposits at Bank Of Madison insured?

Yes. Bank Of Madison is an FDIC-insured bank (FDIC certificate #148). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Bank Of Madison: frequently asked questions

Is Bank Of Madison a good bank?

Bank Of Madison earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (9.9% capital ratio); Strongly profitable (ROA 2.01%).

Is Bank Of Madison FDIC-insured?

Yes. Bank Of Madison is a FDIC-insured bank (FDIC certificate #148). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Bank Of Madison?

Bank Of Madison holds $449 million in total assets, ranking 5th of 124 banks we track in Georgia. It operates 4 branches.

Does Bank Of Madison have CFPB complaints?

No CFPB complaints against Bank Of Madison appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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