Elizabethtown, KY · Cert 8120 · Magnolia Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Elizabethtown, KY · 2026 SOD (annual) · 14.2% share · #3 of 15 inst. · $0.4B of $3.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | -2.20% | 0.02% | -0.42% | 1.24% | 1.67% | 1.27% | 0.39% | +81 bps | |
| Return on Equity | 8.06% | -21.21% | 0.24% | -4.27% | 12.61% | 16.25% | 12.05% | 3.77% | +804 bps | |
| Net Interest Margin | 2.70% | 3.19% | 3.31% | 3.44% | 3.38% | 3.58% | 3.36% | 3.72% | +28 bps | |
| Efficiency Ratio | 90.58% | 94.57% | 98.88% | 99.62% | 85.20% | 84.48% | 86.89% | 88.94% | -1,067 bps | |
| Non-Interest Burden | 1.43% | 2.46% | 3.16% | 3.39% | 1.29% | 1.37% | 1.64% | 2.38% | -102 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.47% | 0.45% | -4.42% | -0.74% | 2.22% | 7.30% | 7.90% | 8.22% | +897 bps | |
| Loan Growth (YoY) | 24.99% | 24.93% | 13.61% | 11.50% | 21.84% | 13.36% | 19.80% | 16.72% | +522 bps | |
| Deposit Growth (YoY) | -6.39% | 0.81% | -1.84% | 12.78% | 12.95% | 10.78% | 7.62% | 2.35% | -1,043 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.01% | 0.95% | 0.96% | 1.86% | 1.79% | 2.15% | 2.12% | 2.02% | +17 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.03% | 0.00% | 0.01% | 0.01% | 0.06% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.55% | 1.56% | 1.55% | 1.48% | 1.62% | 1.63% | 1.56% | 1.66% | +18 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.6x | 1.6x | 0.8x | 0.9x | 0.8x | 0.7x | 0.8x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.42% | 10.77% | 11.08% | 10.56% | 10.53% | 11.05% | 11.08% | 10.96% | +40 bps | |
| Total Risk-Based Capital | 11.42% | 10.77% | 11.08% | 10.56% | 10.53% | 11.05% | 11.08% | 10.96% | +40 bps | |
| Equity / Assets | 10.39% | 10.39% | 10.10% | 9.63% | 10.11% | 10.43% | 10.59% | 10.11% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.84% | 94.01% | 93.27% | 93.30% | 101.23% | 96.20% | 103.83% | 106.40% | +1,309 bps | |
| Liquid Assets / Assets | 0.17% | 0.15% | 0.31% | 0.14% | 0.18% | 0.30% | 0.17% | 0.33% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 314% | 304% | 323% | n/a | n/a | |