MAGNOLIA BANK, INC
MAGNOLIA BANK, INC is an FDIC-insured commercial bank headquartered in ELIZABETHTOWN, KY, established in 1919. As of , 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 4.50%. CET1 capital ratio: 10.41%, well above regulatory minimums. NPL ratio: 2.07% · Texas Ratio: 14.60%. Operates 3 domestic branches.
Capital & Liquidity
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.41% | 2.10% | 2.07% | 14.60% | 4.50% |
| 2025-09-30 | 10.11% | 1.44% | 1.82% | 13.55% | 4.21% |
| 2025-06-30 | 9.63% | -0.42% | 1.96% | 14.65% | 4.23% |
| 2025-03-31 | 10.10% | 0.02% | 1.05% | 7.26% | 4.06% |
| 2024-12-31 | 10.39% | -2.20% | 1.11% | 7.52% | 3.92% |
| 2024-09-30 | 10.39% | 0.81% | 1.00% | 6.26% | 3.19% |
| 2024-06-30 | 9.59% | 1.73% | 0.01% | 0.04% | 4.06% |
| 2024-03-31 | 9.13% | 3.15% | 0.01% | 0.04% | 3.63% |
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Frequently asked about MAGNOLIA BANK, INC
What are Magnolia Bank, Inc's total assets?
As of the Q4 2025 filing, Magnolia Bank, Inc reported total assets of $515.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Magnolia Bank, Inc headquartered?
Magnolia Bank, Inc is headquartered in ELIZABETHTOWN, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Magnolia Bank, Inc founded?
Magnolia Bank, Inc was established in 1919, per the FDIC institution directory.
Is Magnolia Bank, Inc FDIC-insured?
Yes. Magnolia Bank, Inc is an FDIC-insured commercial bank (FDIC Certificate #8120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Magnolia Bank, Inc?
Magnolia Bank, Inc's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Magnolia Bank, Inc's CET1 capital ratio?
Magnolia Bank, Inc reported a Common Equity Tier 1 (CET1) capital ratio of 10.41% in its most recent quarterly filing — above regulatory minimums.
How many branches does Magnolia Bank, Inc operate?
Magnolia Bank, Inc operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Magnolia Bank, Inc's Texas Ratio?
Magnolia Bank, Inc's Texas Ratio is 14.60% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.