BANK OF MAGNOLIA COMPANY, THE

MAGNOLIA, OH | Small | Est. April 19, 1899, midnight | FDIC #2300 | RSSD #940021 | FDIC
Latest Report: 2025-12-31

BANK OF MAGNOLIA COMPANY, THE is asn small FDIC-insured commercial bank headquartered in MAGNOLIA, OH, established in April 19, 1899, midnight. As of 2025-12-31, the bank reported total assets of $105M and total deposits of $91M. Profitability stands at 0.27% ROA and 2.20% ROE, with a net interest margin of 5.20%. The bank's CET1 capital ratio is 21.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.23%. FDIC Certificate #2300.

Assets

$105M

Deposits

$91M

Loans

$67M

Equity

$13M

Profitability

Return on Assets (ROA) 0.27%
Return on Equity (ROE) 2.20%
Net Interest Margin (NIM) 5.20%
Yield on Assets 6.01%
Cost of Funds 1.27%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio --
Texas Ratio 0.23%
NPA Ratio 0.03%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 21.90%
Tier 1 Capital 21.90%
Total Capital Ratio 23.16%
Leverage Ratio 12.56%
Loan-to-Deposit 73.80%

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