Magnolia Bank, Incorporated
Total assets
$546.3M
▲ +8.2% YoY
Deposits
$449.5M
▲ +2.4% YoY
Loans
$470.3M
▲ +16.5% YoY
Offices
15
MAGNOLIA BANCSHARES INC
ROA (annualized)
0.93%
peers 1.28%
ROE (annualized)
8.92%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.9% | +3.3 pts |
| Deposit growth (YoY) | +2.4% | +4.3% | -2.0 pts |
| Loan growth (YoY) | +16.5% | +5.3% | +11.2 pts |
| ROA | 0.93% | 1.28% | -0.4 pts |
| ROE | 8.9% | 12.4% | -3.5 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
Profile
- Established
- 1919
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MAGNOLIA BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 651 W Dixie Ave, Elizabethtown, KY, 42701
- County
- Hardin
- Metro area
- Elizabethtown-Fort Knox, KY
- Offices
- 15
- FDIC cert #
- 8120
- RSSD ID
- 261146
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $546.3M | $449.5M | $470.3M | $55.3M | $2.4M | 0.93% | 3.68% | 1.77% |
| Q1 2026 | $523.7M | $436.3M | $446.0M | $55.5M | $1.9M | 1.48% | 3.55% | 1.83% |
| Q4 2025 | $515.5M | $444.8M | $420.9M | $53.8M | $4.0M | 0.80% | 3.57% | 1.78% |
| Q3 2025 | $502.7M | $425.2M | $423.5M | $50.8M | $1.3M | 0.36% | 3.52% | 1.53% |
| Q2 2025 | $504.8M | $439.2M | $403.7M | $48.6M | $-491K | -0.20% | 3.49% | 1.51% |
| Q1 2025 | $485.4M | $405.5M | $372.3M | $49.0M | $30K | 0.02% | 3.41% | 0.75% |
| Q4 2024 | $480.4M | $401.5M | $371.6M | $49.9M | $4.4M | 0.89% | 3.32% | 0.74% |
| Q3 2024 | $491.8M | $376.5M | $347.9M | $51.1M | $7.1M | 1.90% | 3.26% | 0.72% |
Loan mix (Q2 2026): real estate $358.7M · commercial $19.9M · consumer $2.6M · securities $43.1M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.28% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 12.4% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.89% | 38th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 61.2% | 94th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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