Magnolia, AR · Cert 1291 · Magnolia Banking Corp.
State charter, Fed member · FED · 38 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
24
Profitability
68
Liquidity
99
Efficiency
55
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Magnolia, AR · Cert 1291 · Magnolia Banking Corp.
State charter, Fed member · FED · 38 branches
Q2 2026
Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 17.3% share · #1 of 19 inst. · $0.5B of $3.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.09% | 1.32% | 1.36% | 1.40% | 1.36% | 1.42% | 1.44% | +8 bps | |
| Return on Equity | 13.81% | 14.37% | 16.87% | 16.97% | 17.01% | 16.29% | 15.78% | 15.94% | -103 bps | |
| Net Interest Margin | 2.97% | 3.04% | 3.35% | 3.46% | 3.51% | 3.48% | 3.62% | 3.66% | +20 bps | |
| Efficiency Ratio | 59.60% | 57.64% | 56.12% | 57.62% | 56.50% | 58.03% | 56.68% | 57.94% | +32 bps | |
| Non-Interest Burden | 1.44% | 1.42% | 1.55% | 1.67% | 1.65% | 1.68% | 1.71% | 1.79% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.75% | 5.05% | 5.49% | 2.67% | 2.72% | 3.70% | 5.58% | 5.87% | +320 bps | |
| Loan Growth (YoY) | 12.29% | 12.50% | 9.72% | 8.18% | 6.09% | 4.99% | 7.53% | 6.59% | -158 bps | |
| Deposit Growth (YoY) | 3.52% | 7.95% | 8.60% | 4.51% | 4.72% | 1.54% | 4.53% | 0.09% | -441 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.41% | 0.48% | 0.52% | 0.59% | 0.57% | 1.09% | 1.16% | 1.32% | +73 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.12% | 0.08% | 0.07% | 0.07% | 0.13% | 0.12% | 0.18% | +12 bps | |
| Allowance / Loans | 1.51% | 1.53% | 1.57% | 1.60% | 1.65% | 1.54% | 1.51% | 1.34% | -26 bps | |
| Allowance Coverage of NPLs | 3.6x | 3.2x | 3.0x | 2.7x | 2.9x | 1.4x | 1.3x | 1.0x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.67% | 8.85% | 9.01% | 9.47% | 9.61% | 9.75% | 9.88% | 9.87% | +40 bps | |
| Total Risk-Based Capital | 11.92% | 11.93% | 12.29% | 12.61% | 12.81% | 12.95% | 13.11% | 9.87% | -274 bps | |
| Equity / Assets | 7.97% | 7.70% | 8.00% | 8.33% | 8.77% | 9.00% | 8.96% | 9.15% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.87% | 83.08% | 82.41% | 83.99% | 85.99% | 85.90% | 84.77% | 89.45% | +545 bps | |
| Liquid Assets / Assets | 0.22% | 0.52% | 2.15% | 1.15% | 0.85% | 0.31% | 0.92% | 0.32% | -83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 451% | 462% | 459% | n/a | n/a | |
Magnolia, AR · Cert 1291 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Magnolia Banking Corp.
State charter, Fed member · FED · 38 branches
Q2 2026
Return on Assets
1.42%
Rank 58 of 176
Net Interest Margin
3.66%
Rank 79 of 176
Efficiency Ratio
58.53%
Rank 81 of 176
Equity / Assets
9.15%
Rank 133 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.42% | 0.93% | 1.26% | 1.54% | Beats 67% | 58 / 176 | ||
| Return on Equity | 15.53% | 9.26% | 11.89% | 14.46% | Beats 82% | 32 / 176 | ||
| Net Interest Margin | 3.66% | 3.25% | 3.59% | 3.93% | Beats 55% | 79 / 176 | ||
| Efficiency Ratio | 58.53% | 52.79% | 59.55% | 67.66% | Beats 55% | 81 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.30% | 0.64% | 1.32% | Beats 25% | 133 / 176 | ||
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.04% | 0.10% | Beats 23% | 137 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.87% | 11.15% | 12.72% | 14.15% | Beats 6% | 166 / 176 | ||
| Total Risk-Based Capital Ratio | 9.87% | 11.81% | 13.63% | 15.33% | Beats 5% | 167 / 176 | ||
| Equity / Assets | 9.15% | 9.16% | 10.35% | 11.80% | Beats 24% | 133 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.45% | 80.94% | 89.73% | 97.21% | 48th pctl | 92 / 176 | ||
| Loans / Assets | 76.79% | 69.25% | 75.12% | 80.82% | 57th pctl | 76 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||