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
Unfavorable gap of $25.8M · efficiency ratio beats 2% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.65% | 2.85% | 3.33% | 3.90% | Beats 63% | 210 / 575 | | |
| Efficiency Ratio | 141.06% | 58.61% | 70.08% | 82.08% | Beats 2% | 562 / 575 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.06% | 0.34% | 0.93% | Beats 62% | 199 / 528 | | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.01% | 0.06% | Beats 20% | 424 / 528 | | |
| Capital |
| Tier 1 Capital Ratio | 13.96% | 11.22% | 13.91% | 18.96% | Beats 50% | 285 / 575 | | |
| Total Risk-Based Capital Ratio | 15.01% | 11.76% | 14.45% | 19.92% | Beats 53% | 272 / 575 | | |
| Equity / Assets | 9.75% | 8.53% | 10.12% | 12.97% | Beats 45% | 317 / 575 | | |
| Liquidity & Funding |
| Loans / Deposits | 86.40% | 64.54% | 78.36% | 91.99% | 64th pctl | 195 / 538 | | |
| Loans / Assets | 76.92% | 55.85% | 68.40% | 77.98% | 72nd pctl | 150 / 528 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |