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Magnolia State Bank

Bay Springs, MS · Cert 22081

FDIC · 8 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=528 to 576). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

49

Q2 2024Q2 2025peer median (50)

Asset Quality

41

Q2 2024Q2 2025peer median (50)

Profitability

22

Q2 2024Q2 2025peer median (50)

Liquidity

65

Q2 2024Q2 2025peer median

Efficiency

2

Q2 2024Q2 2025peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Magnolia State Bank

Bay Springs, MS · Cert 22081

FDIC · 8 branches

Q2 2025

$465.6MAssets
$358.1MLoans
$414.5MDeposits
$45.4MEquity
Loan mix
83%RE $247.2M11%C&I $32.6M6%Consumer $18.5MQ3 2023Q2 2025
Deposit mix
76%Interest-bearing $313.8M24%Noninterest $100.7MQ3 2023Q2 2025

Market Position · Hattiesburg, MS · 2025 SOD (annual) · 2.8% share · #9 of 20 inst. · $0.1B of $4.4B

72.5% Jasper
2.9% Forrest
3.3% Jones
2.9% Lamar

Executive Summary

  • Earnings: ROA of -1.95%, down 279 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.19% of loans (-3 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 10.08%, down 110 bps from a year ago.
  • Funding: loans stand at 86.40% of deposits as of Q2 2025.

Return on Assets (YTD, annualized)

-1.95%-279 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+26 bps YoY

Efficiency Ratio (YTD, annualized)

141.06%+7,030 bps YoY

Tier 1 Leverage Ratio

10.08%-110 bps YoY

NIM

4.12%Q2 ’234.90%Q2 ’245.14%Q2 ’25+3%+8%

Non-interest income vs. expense

2.75%Q2 ’232.82%Q2 ’245.90%Q2 ’25+3%+141%

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.34%1.15%0.98%0.84%0.81%0.80%-0.17%-1.95%-279 bps
Return on Equity13.83%11.67%9.58%8.27%7.89%7.71%-1.66%-19.07%-2,733 bps
Net Interest Margin3.37%3.38%3.38%3.39%3.46%3.50%3.58%3.65%+26 bps
Efficiency Ratio60.09%65.63%69.17%70.77%72.17%73.38%104.24%141.06%+7,030 bps
Non-Interest Burden1.48%1.79%2.16%2.22%2.34%2.41%3.75%5.37%+314 bps
Growth
Asset Growth (YoY)0.55%3.74%3.13%5.91%6.24%4.52%4.17%-0.51%-643 bps
Loan Growth (YoY)10.28%10.21%5.83%8.09%6.70%3.25%2.33%2.12%-597 bps
Deposit Growth (YoY)-0.68%2.90%2.32%5.23%5.37%4.16%3.82%-0.87%-610 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.27%0.44%0.21%0.13%0.17%0.24%0.19%-3 bps
Net Charge-Offs / Loans0.18%0.13%0.11%0.08%0.14%0.11%0.02%0.12%+3 bps
Allowance / Loans1.03%1.00%0.83%0.88%0.85%0.86%0.85%0.89%+1 bps
Allowance Coverage of NPLs4.9x3.6x1.9x4.1x6.7x5.0x3.6x4.8x+0.6x
Capital
Tier 1 Leverage Ratio11.37%11.45%11.29%11.18%11.34%11.42%11.10%10.08%-110 bps
Total Risk-Based Capital16.51%16.26%16.21%15.94%16.24%16.50%16.18%15.01%-93 bps
Equity / Assets9.84%10.45%10.06%10.03%10.61%10.69%10.30%9.75%-29 bps
Liquidity & Funding
Loans / Deposits83.55%87.29%83.34%83.87%84.60%86.53%82.15%86.40%+253 bps
Liquid Assets / Assets1.74%1.72%1.56%1.53%0.90%0.73%0.70%0.71%-82 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Magnolia State Bank

Bay Springs, MS · Cert 22081 · Peer group: banks under $1B in assets (n=528-576)

FDIC · 8 branches

Q2 2025

$465.6MAssets
$358.1MLoans
$414.5MDeposits
$45.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 63% of banks under $1B in assets (rank 210 of 575).
  • Widest gap: efficiency ratio trails 98% of banks under $1B in assets (rank 562 of 575).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-1.96%

Rank 564 of 576

Net Interest Margin

3.65%

Rank 210 of 575

Efficiency Ratio

141.06%

Rank 562 of 575

Equity / Assets

9.75%

Rank 317 of 575

Non-interest income vs. expense

$2.6M$28.4MINCOMEEXPENSE
Unfavorable gap of $25.8M · efficiency ratio beats 2% of banks under $1B in assets
Bank 141.06%Peer median 70.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-1.96%0.51%0.91%1.43%Beats 2%564 / 576
Return on Equity-20.10%4.85%8.92%13.13%Beats 2%566 / 575
Net Interest Margin3.65%2.85%3.33%3.90%Beats 63%210 / 575
Efficiency Ratio141.06%58.61%70.08%82.08%Beats 2%562 / 575
Asset Quality
Nonperforming Loans / Loans0.19%0.06%0.34%0.93%Beats 62%199 / 528
Net Charge-Offs / Loans0.08%n/a0.01%0.06%Beats 20%424 / 528
Capital
Tier 1 Capital Ratio13.96%11.22%13.91%18.96%Beats 50%285 / 575
Total Risk-Based Capital Ratio15.01%11.76%14.45%19.92%Beats 53%272 / 575
Equity / Assets9.75%8.53%10.12%12.97%Beats 45%317 / 575
Liquidity & Funding
Loans / Deposits86.40%64.54%78.36%91.99%64th pctl195 / 538
Loans / Assets76.92%55.85%68.40%77.98%72nd pctl150 / 528
Brokered Deposits / Depositsn/aNot reported for this institution