Bank of Magnolia Company, The
Magnolia, OH · Cert 2300 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Magnolia Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$107.8MAssets
$68.7MLoans
$92.8MDeposits
$13.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 37% of banks under $1B in assets operating in a single state (rank 276 of 746).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.71%
Rank 107 of 746
Net Interest Margin
4.46%
Rank 105 of 746
Efficiency Ratio
59.66%
Rank 276 of 746
Equity / Assets
12.78%
Rank 205 of 746
Non-interest income vs. expense
Unfavorable gap of $2.7M · efficiency ratio beats 63% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 0.72% | 1.06% | 1.45% | Beats 86% | 107 / 746 | |
| Return on Equity | 13.35% | 6.74% | 10.51% | 13.63% | Beats 72% | 209 / 746 | |
| Net Interest Margin | 4.46% | 3.17% | 3.68% | 4.16% | Beats 86% | 105 / 746 | |
| Efficiency Ratio | 59.66% | 55.74% | 64.58% | 75.47% | Beats 63% | 276 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.09% | 0.42% | 1.07% | Beats 73% | 198 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 23.18% | 11.55% | 13.75% | 17.60% | Beats 89% | 82 / 746 | |
| Total Risk-Based Capital Ratio | 24.43% | 11.71% | 14.33% | 18.43% | Beats 89% | 80 / 746 | |
| Equity / Assets | 12.78% | 8.90% | 10.51% | 13.06% | Beats 73% | 205 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 74.02% | 61.31% | 78.27% | 90.78% | 42nd pctl | 430 / 746 | |
| Loans / Assets | 63.68% | 53.60% | 66.97% | 76.08% | 42nd pctl | 433 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |