MAGNOLIA STATE BANK

EASTMAN, GA | Small | Est. Jan. 2, 1919, midnight | FDIC #877 | RSSD #204237 | FDIC
Latest Report: 2025-12-31

MAGNOLIA STATE BANK is asn small FDIC-insured commercial bank headquartered in EASTMAN, GA, established in Jan. 2, 1919, midnight. As of 2025-12-31, the bank reported total assets of $198M and total deposits of $167M. Profitability stands at 3.02% ROA and 19.48% ROE, with a net interest margin of 6.17%. The bank's CET1 capital ratio is 14.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.12%. FDIC Certificate #877.

Assets

$198M

Deposits

$167M

Loans

$111M

Equity

$29M

Profitability

Return on Assets (ROA) 3.02%
Return on Equity (ROE) 19.48%
Net Interest Margin (NIM) 6.17%
Yield on Assets 6.56%
Cost of Funds 0.44%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio -0.12%
Texas Ratio 1.12%
NPA Ratio 0.18%
ACL / Loans 2.09%

Capital & Liquidity

CET1 Ratio 14.62%
Tier 1 Capital 14.62%
Total Capital Ratio 15.35%
Leverage Ratio 14.86%
Loan-to-Deposit 66.54%

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