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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.22% | 1.32% | 1.39% | 1.47% | 1.27% | 1.42% | 1.46% | +7 bps | |
| Return on Equity | 14.64% | 15.62% | 16.87% | 17.05% | 17.14% | 14.28% | 15.78% | 16.11% | -95 bps | |
| Net Interest Margin | 3.19% | 3.32% | 3.35% | 3.53% | 3.68% | 3.49% | 3.62% | 3.74% | +21 bps | |
| Efficiency Ratio | 57.04% | 52.20% | 56.12% | 59.07% | 54.44% | 62.50% | 56.68% | 59.14% | +7 bps | |
| Non-Interest Burden | 1.34% | 1.38% | 1.55% | 1.78% | 1.62% | 1.85% | 1.71% | 1.89% | +11 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 | 0.22% | 0.12% | 0.08% | 0.05% | 0.07% | 0.34% | 0.12% | 0.25% | +20 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 | |