MAGNOLIA BANK, INC

ELIZABETHTOWN, KY | Medium | Est. Nov. 4, 1919, midnight | FDIC #8120 | RSSD #261146 | FDIC
Latest Report: 2025-12-31

MAGNOLIA BANK, INC is amn medium FDIC-insured commercial bank headquartered in ELIZABETHTOWN, KY, established in Nov. 4, 1919, midnight. As of 2025-12-31, the bank reported total assets of $515M and total deposits of $445M. Profitability stands at 2.10% ROA and 20.48% ROE, with a net interest margin of 3.84%. The bank's CET1 capital ratio is 9.07%. Asset quality metrics show a non-performing loan ratio of 1.94% and a Texas Ratio of 13.70%. FDIC Certificate #8120.

Assets

$515M

Deposits

$445M

Loans

$428M

Equity

$54M

Profitability

Return on Assets (ROA) 2.10%
Return on Equity (ROE) 20.48%
Net Interest Margin (NIM) 3.84%
Yield on Assets 6.35%
Cost of Funds 2.66%

Asset Quality

NPL Ratio 1.94%
Net Charge-Off Ratio 0.02%
Texas Ratio 13.70%
NPA Ratio 1.61%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 9.07%
Tier 1 Capital 9.07%
Total Capital Ratio 9.53%
Leverage Ratio 11.05%
Loan-to-Deposit 96.20%

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