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 | |