Magnolia, OH · Cert 2300 · Magnolia Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Canton-Massillon, OH · 2026 SOD (annual) · 0.9% share · #12 of 18 inst. · $0.1B of $10.7B
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 | 1.62% | 0.39%1 | 1.65% | 1.87% | 1.21% | 0.27% | 1.36% | 2.04% | +17 bps | |
| Return on Equity | 13.68% | 3.24% | 13.82% | 15.78% | 10.09% | 2.20% | 11.19% | 16.43% | +64 bps | |
| Net Interest Margin | 4.33% | 4.54% | 4.58% | 4.70% | 4.82% | 4.76% | 4.58% | 4.49% | -20 bps | |
| Efficiency Ratio | 65.26% | 86.28% | 56.00% | 60.11% | 63.66% | 89.13% | 58.68% | 60.60% | +49 bps | |
| Non-Interest Burden | 2.70% | 3.87% | 2.43% | 2.69% | 2.95% | 4.20% | 2.54% | 2.52% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.00% | -1.17% | 3.57% | 7.09% | 4.39% | 4.92% | 3.49% | 2.47% | -462 bps | |
| Loan Growth (YoY) | 11.61% | 7.93% | 10.13% | 10.42% | 9.65% | 10.99% | 9.29% | 6.83% | -359 bps | |
| Deposit Growth (YoY) | 0.78% | -2.85% | 2.59% | 6.92% | 4.20% | 4.60% | 3.21% | 1.26% | -566 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.02% | 0.06% | 0.06% | 0.05% | 0.05% | 0.04% | 0.12% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.23% | 1.21% | 1.17% | 1.17% | 1.03% | 1.11% | 1.10% | 1.10% | -7 bps | |
| Allowance Coverage of NPLs | 29.2x | 60.9x | 19.2x | 20.9x | 20.9x | 24.2x | 25.8x | 9.3x | -11.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.92% | 12.72% | 13.05% | 12.29% | 12.50% | 12.56% | 12.89% | 12.96% | +67 bps | |
| Total Risk-Based Capital | 23.70% | 23.94% | 23.87% | 23.09% | 23.37% | 23.16% | 23.34% | 24.43% | +134 bps | |
| Equity / Assets | 12.01% | 12.05% | 11.86% | 11.84% | 12.16% | 12.31% | 12.03% | 12.78% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.79% | 69.55% | 67.60% | 70.17% | 71.33% | 73.80% | 71.58% | 74.02% | +385 bps | |
| Liquid Assets / Assets | 10.15% | 9.96% | 10.37% | 11.64% | 10.91% | 11.39% | 10.48% | 9.97% | -167 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 101.31% | 111.82% | 107.51% | n/a | n/a | |