| Metric | Magnolia State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.8 pts |
| Deposit growth (YoY) | +0.6% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.2 pts |
| ROA | 1.98% | 1.24% | +0.7 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $198.7M | $167.2M | $107.3M | $30.6M | $2.0M | 1.98% | 5.80% | 0.72% |
| Q1 2026 | $197.8M | $166.8M | $113.4M | $30.0M | $1.1M | 2.14% | 5.96% | 0.31% |
| Q4 2025 | $197.9M | $167.3M | $109.0M | $29.4M | $5.3M | 2.71% | 6.21% | 0.23% |
| Q3 2025 | $195.4M | $162.5M | $114.3M | $31.6M | $3.8M | 2.61% | 6.20% | 0.27% |
| Q2 2025 | $197.6M | $166.2M | $105.9M | $30.1M | $2.6M | 2.66% | 6.18% | 0.40% |
| Q1 2025 | $195.1M | $165.1M | $100.5M | $28.6M | $1.0M | 2.11% | 5.83% | 0.44% |
| Q4 2024 | $195.5M | $166.5M | $101.1M | $27.3M | $5.5M | 2.72% | 6.04% | 0.47% |
| Q3 2024 | $198.9M | $167.9M | $100.9M | $29.3M | $4.3M | 2.84% | 5.92% | 0.97% |
Loan mix (Q2 2026): real estate $92.3M · commercial $14.4M · consumer $1.9M · securities $60.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Magnolia State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 62.9% | 54th |
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% |
| Ratio | Magnolia State Bank | 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% |
| Ratio | Magnolia State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Magnolia State Bank | 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% |
| Ratio | Magnolia State Bank | 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% |
| Ratio | Magnolia State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 4 counties across 1 state (+1 vs 2024) · $166.2M branch deposits. Biggest market: Dodge, GA, ranked 3rd with 20.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dodge, GA | 1 | $93.9M | 20.03% | 3rd |
| Baldwin, GA | 2 | $51.3M | 4.80% | 5th |
| Jones, GA | 1 | $20.7M | 8.69% | 3rd |
| 1 more county with Pro → | ||||
Georgia: 150th with 0.05% · Macon-Bibb County metro: 21st, 0.39% · Athens-Clarke County metro: 22nd, 0.01% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 5