Metairie, LA · Cert 27716 · Magnolia Bcorp Inc.
State savings bank · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
99
Asset Quality
82
Profitability
19
Liquidity
0
Efficiency
2
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.
Metairie, LA · Cert 27716 · Magnolia Bcorp Inc.
State savings bank · OCC · 2 branches
Q2 2026
Market Position · New Orleans-Metairie, LA · 2026 SOD (annual) · 0.0% share · #30 of 32 inst. · $0.0B of $36.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.22% | -0.27% | -0.29% | -0.34% | -0.38% | -0.41% | -0.70% | -0.67% | -33 bps | |
| Return on Equity | -0.56% | -0.72% | -0.77% | -0.83% | -0.90% | -0.96% | -1.54% | -1.43% | -61 bps | |
| Net Interest Margin | 2.99% | 2.91% | 3.20% | 3.53% | 3.65% | 3.61% | 3.64% | 3.73% | +20 bps | |
| Efficiency Ratio | 109.20% | 111.48% | 111.21% | 112.43% | 113.63% | 113.15% | 119.02% | 117.83% | +540 bps | |
| Non-Interest Burden | 3.27% | 3.26% | 3.57% | 3.98% | 4.16% | 4.09% | 4.34% | 4.41% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.63% | 22.91% | 5.50% | 4.49% | 3.03% | -14.97% | -0.92% | -3.19% | -768 bps | |
| Loan Growth (YoY) | -3.57% | -4.25% | -3.60% | -1.85% | 1.52% | 0.31% | -1.20% | -2.83% | -98 bps | |
| Deposit Growth (YoY) | -9.89% | 41.09% | -4.22% | -3.76% | -10.60% | -32.79% | -0.93% | -5.19% | -143 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.23% | 0.23% | 0.43% | 0.43% | 0.22% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.60% | 0.60% | 0.60% | 0.59% | 0.59% | 0.60% | 0.60% | 0.61% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 2.5x | 2.6x | 1.4x | 1.4x | 2.7x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 38.98% | 37.80% | 42.04% | 46.10% | 47.49% | 46.48% | 46.00% | 47.17% | +107 bps | |
| Total Risk-Based Capital | 73.57% | 74.78% | 98.74% | 98.25% | 97.43% | 98.67% | 99.50% | 99.97% | +172 bps | |
| Equity / Assets | 39.78% | 31.65% | 45.74% | 46.62% | 47.73% | 46.04% | 45.70% | 47.64% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 147.35% | 103.12% | 151.38% | 157.90% | 167.33% | 153.88% | 150.96% | 161.84% | +394 bps | |
| Liquid Assets / Assets | 4.64% | 22.39% | 13.38% | 10.91% | 7.87% | 11.86% | 13.50% | 10.65% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 12.58% | 7.76% | 7.40% | n/a | n/a | |
Metairie, LA · Cert 27716 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Magnolia Bcorp Inc.
State savings bank · OCC · 2 branches
Q2 2026
Return on Assets
-0.68%
Rank 734 of 746
Net Interest Margin
3.73%
Rank 355 of 746
Efficiency Ratio
117.83%
Rank 733 of 746
Equity / Assets
47.64%
Rank 4 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.68% | 0.72% | 1.06% | 1.45% | Beats 2% | 734 / 746 | ||
| Return on Equity | -1.44% | 6.74% | 10.51% | 13.63% | Beats 3% | 724 / 746 | ||
| Net Interest Margin | 3.73% | 3.17% | 3.68% | 4.16% | Beats 52% | 355 / 746 | ||
| Efficiency Ratio | 117.83% | 55.74% | 64.58% | 75.47% | Beats 2% | 733 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.42% | 1.07% | Beats 64% | 267 / 743 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 98.90% | 11.55% | 13.75% | 17.60% | Beats 99% | 6 / 746 | ||
| Total Risk-Based Capital Ratio | 99.97% | 11.71% | 14.33% | 18.43% | Beats 99% | 6 / 746 | ||
| Equity / Assets | 47.64% | 8.90% | 10.51% | 13.06% | Beats 99% | 4 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 161.84% | 61.31% | 78.27% | 90.78% | 100th pctl | 3 / 746 | ||
| Loans / Assets | 84.23% | 53.60% | 66.97% | 76.08% | 94th pctl | 48 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||