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
Unfavorable gap of $10.5M · efficiency ratio beats 15% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.60% | 1.01% | 1.45% | Beats 34% | 415 / 629 | |
| Return on Equity | 7.92% | 5.38% | 9.30% | 13.28% | Beats 40% | 379 / 629 | |
| Net Interest Margin | 3.53% | 3.03% | 3.54% | 4.05% | Beats 49% | 318 / 629 | |
| Efficiency Ratio | 87.88% | 58.35% | 67.79% | 79.08% | Beats 15% | 534 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.02% | 0.09% | 0.46% | 1.20% | Beats 13% | 505 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 57% | 250 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.96% | 11.24% | 13.84% | 18.77% | Beats 22% | 493 / 629 | |
| Total Risk-Based Capital Ratio | 10.96% | 11.58% | 14.43% | 19.66% | Beats 18% | 514 / 629 | |
| Equity / Assets | 10.11% | 9.09% | 10.65% | 13.80% | Beats 41% | 373 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 106.40% | 67.24% | 80.90% | 93.48% | 93rd pctl | 44 / 594 | |
| Loans / Assets | 87.54% | 53.31% | 67.71% | 78.15% | 96th pctl | 27 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |