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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

5.77%Q2 ’245.92%Q2 ’255.88%Q2 ’26-1%+8%

Non-interest income vs. expense

11.31%Q2 ’2412.97%Q2 ’2510.79%Q2 ’26+188%-30%

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 0.39%, up 81 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 2.02% of loans (+17 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

0.39%+81 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+28 bps YoY

Efficiency Ratio (quarter, annualized)

88.94%-1,067 bps YoY

Tier 1 Leverage Ratio

10.96%+40 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.42%1.24%1.67%1.27%0.39%+81 bps
Return on Equity-4.27%12.61%16.25%12.05%3.77%+804 bps
Net Interest Margin3.44%3.38%3.58%3.36%3.72%+28 bps
Efficiency Ratio99.62%85.20%84.48%86.89%88.94%-1,067 bps
Non-Interest Burden3.39%1.29%1.37%1.64%2.38%-102 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 / Loans0.01%0.01%0.06%0.01%0.00%-1 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