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Magnolia Bank, Inc.

Elizabethtown, KY · Cert 8120 · Magnolia Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

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.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

27

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Magnolia Bank, Inc.

Elizabethtown, KY · Cert 8120 · Magnolia Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$546.3MAssets
$478.3MLoans
$449.5MDeposits
$55.3MEquity
Loan mix
94%RE $338.4M5%C&I $19.1M1%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $394.2M12%Noninterest $55.3MQ2 2025Q2 2026

NIM

5.43%Q2 ’245.72%Q2 ’255.70%Q2 ’26+3%+6%

Non-interest income vs. expense

10.58%Q2 ’2412.63%Q2 ’2511.08%Q2 ’26+162032%-38%

Market Position · Elizabethtown, KY · 2026 SOD (annual) · 14.2% share · #3 of 15 inst. · $0.4B of $3.2B

46.5% Larue
8.3% Hardin

Executive Summary

  • Earnings: ROA of 0.83%, up 103 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 2.02% of loans (+17 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.96%, up 40 bps from a year ago.
  • Funding: loans stand at 106.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.83%+103 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+21 bps YoY

Efficiency Ratio (YTD, annualized)

87.88%-1,138 bps YoY

Tier 1 Leverage Ratio

10.96%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.20%0.36%0.73%1.27%0.83%+103 bps
Return on Equity-2.00%3.56%7.25%12.05%7.98%+998 bps
Net Interest Margin3.32%3.27%3.35%3.36%3.53%+21 bps
Efficiency Ratio99.26%94.14%91.55%86.89%87.88%-1,138 bps
Non-Interest Burden3.23%2.51%2.23%1.64%2.00%-122 bps
Growth
Asset Growth (YoY)-0.74%2.22%7.30%7.90%8.22%+897 bps
Loan Growth (YoY)11.50%21.84%13.36%19.80%16.72%+522 bps
Deposit Growth (YoY)12.78%12.95%10.78%7.62%2.35%-1,043 bps
Asset Quality
Nonperforming Loans / Loans1.86%1.79%2.15%2.12%2.02%+17 bps
Net Charge-Offs / Loans0.00%0.01%0.02%0.01%0.01%0 bps
Allowance / Loans1.48%1.62%1.63%1.56%1.66%+18 bps
Allowance Coverage of NPLs0.8x0.9x0.8x0.7x0.8x0.0x
Capital
Tier 1 Leverage Ratio10.56%10.53%11.05%11.08%10.96%+40 bps
Total Risk-Based Capital10.56%10.53%11.05%11.08%10.96%+40 bps
Equity / Assets9.63%10.11%10.43%10.59%10.11%+48 bps
Liquidity & Funding
Loans / Deposits93.30%101.23%96.20%103.83%106.40%+1,309 bps
Liquid Assets / Assets0.14%0.18%0.30%0.17%0.33%+19 bps
CRE / Total Capitaln/a314%304%323%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Magnolia Bank, Inc.

Elizabethtown, KY · Cert 8120 · Peer group: banks under $1B in assets (n=581-629) · Magnolia Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$546.3MAssets
$478.3MLoans
$449.5MDeposits
$55.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 57% of banks under $1B in assets (rank 250 of 581).
  • Widest gap: nonperforming loans / loans trails 87% of banks under $1B in assets (rank 505 of 581).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.80%

Rank 415 of 629

Net Interest Margin

3.53%

Rank 318 of 629

Efficiency Ratio

87.88%

Rank 534 of 629

Equity / Assets

10.11%

Rank 373 of 629

Non-interest income vs. expense

$47.4M$57.9MINCOMEEXPENSE
Unfavorable gap of $10.5M · efficiency ratio beats 15% of banks under $1B in assets
Bank 87.88%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.80%0.60%1.01%1.45%Beats 34%415 / 629
Return on Equity7.92%5.38%9.30%13.28%Beats 40%379 / 629
Net Interest Margin3.53%3.03%3.54%4.05%Beats 49%318 / 629
Efficiency Ratio87.88%58.35%67.79%79.08%Beats 15%534 / 629
Asset Quality
Nonperforming Loans / Loans2.02%0.09%0.46%1.20%Beats 13%505 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 57%250 / 581
Capital
Tier 1 Capital Ratio10.96%11.24%13.84%18.77%Beats 22%493 / 629
Total Risk-Based Capital Ratio10.96%11.58%14.43%19.66%Beats 18%514 / 629
Equity / Assets10.11%9.09%10.65%13.80%Beats 41%373 / 629
Liquidity & Funding
Loans / Deposits106.40%67.24%80.90%93.48%93rd pctl44 / 594
Loans / Assets87.54%53.31%67.71%78.15%96th pctl27 / 629
Brokered Deposits / Depositsn/aNot reported for this institution