Mutual Savings and Loan Association
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
$35.9MAssets
$30.3MLoans
$18.7MDeposits
$17.1MEquity
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 98% of banks under $1B in assets operating in a single state (rank 733 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $1.6M · efficiency ratio beats 2% of banks under $1B in assets operating in a single state | 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 |