The Bank of Magnolia Company
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Magnolia Company is an FDIC-insured commercial bank headquartered in Magnolia, OH, established in 1899 (FDIC certificate 2300), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $107.8M, up 2.5% from Q2 2025, the 127th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 23.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2300
- Headquarters
- Magnolia, OH
- Established
- 1899
- Total assets, Q2 2026
- $107.8M
- Assets vs Q2 2025
- +2.5%
- CET1 ratio, Q2 2026
- 23.18%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 041210338
- Latest call report
- Q2 2026, FFIEC 041 · The Bank of Magnolia Company Q3 2026 call report, filed October 8, 2026 (preliminary)
- Holding company
- MAGNOLIA BANCORP, INC.
- Asset rank in state
- 127th of 154 in Ohio
The Bank of Magnolia Company earns an unusually wide margin on its lending. Its balance sheet stood at $108 million at June 30, 2026, up 2.5% from a year earlier; it is based in Magnolia, Ohio. It keeps 5.02 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.78% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Its $6.9 million commercial and industrial book is now fully current, after 2.09% of it was past due or on nonaccrual a year earlier. Loans are outrunning deposits: over the year loans rose 6.8% and deposits rose 1.3%.
As of June 30, 2026, The Bank of Magnolia Company reported a CET1 capital ratio of 23.18%, a return on assets of 2.02%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.56%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Bank of Magnolia Company is the 127th largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets fell 1.7% to $107.8M, loans rose 0.5% and deposits fell 2.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 63.2% of total loans, followed by owner-occupied commercial real estate loans at 16.1%. Its 3 offices in the FDIC Summary of Deposits are in Magnolia, OH and Canton, OH; its Magnolia 2 offices book 66% of its branch deposits. On its Q2 2026 call report, The Bank of Magnolia Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 122 N Main St, Magnolia, OH 44643
- County
- Stark
- Metro Area
- Canton-Massillon, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 19, 1899
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $92.8M
- Allowance for credit losses
- $755K
- Net charge-offs (YTD)
- $0
- Average total assets
- $109.5M
- Average total loans
- $68.6M
- Average interest-bearing deposits
- $65.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2300
- Fed RSSD
- 940021
- Website
- www.bankofmagnolia.com →
- Parent Holding Company
- MAGNOLIA BANCORP, INC. (RSSD 2402813)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Bank of Magnolia Company's total assets moved between a low of $98.0M (Q3 2023) and a high of $109.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$107.8M total assets against $105.2M; $94.1M total liabilities against $92.8M.
$67.9M net loans and leases against $63.5M; $92.8M total deposits against $91.6M.
$17.7M securities against $17.2M; $17.8M cash and balances due against $20.1M.
$1.4M total interest income against $1.4M; $188K total interest expense against $174K.
$1.2M net interest income against $1.2M.
$143K total noninterest income against $85K; $832K total noninterest expense against $797K.
$7K provision for credit losses against $23K.
$554K net income against $494K.
2.02% return on assets against 1.87%; 5.02% net interest margin against 4.95%.
23.18% CET1 capital ratio against 21.84%; 12.96% tier 1 leverage ratio against 12.29%.
Inside the full The Bank of Magnolia Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Magnolia Company rankings
Its closest position to the top of a national ranking is 213 of 2,134, for CET1 ratio; its furthest is 3,611 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.27% (Q4 2025) to 2.02% (Q2 2026) and its net interest margin ran from 4.56% (Q3 2024) to 5.08% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.18% | 2.02% | 0.12% | 0.56% | 5.02% |
| Q1 2026 | 22.09% | 1.38% | 0.04% | 0.21% | 4.93% |
| Q4 2025 | 21.90% | 0.27% | 0.05% | 0.23% | 5.01% |
| Q3 2025 | 22.12% | 1.20% | 0.05% | 0.24% | 5.08% |
| Q2 2025 | 21.84% | 1.87% | 0.06% | 0.27% | 4.95% |
| Q1 2025 | 22.62% | 1.68% | 0.06% | 0.29% | 4.82% |
| Q4 2024 | 22.69% | 0.39% | 0.02% | 0.09% | 4.69% |
| Q3 2024 | 22.45% | 1.63% | 0.04% | 0.19% | 4.56% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Magnolia Company | Magnolia , OH | 44643 | $39.3M |
| Canton South Branch | Canton , OH | 44707 | $31.3M |
| East Sparta Branch | Magnolia , OH | 44643 | $22.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 142 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 38 applications, 38 loans originated, $9.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $321K approved, $321K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Magnolia Company
What are The Bank of Magnolia Company's total assets?
As of the Q2 2026 filing, The Bank of Magnolia Company reported total assets of $107.8 million in its FFIEC call report.
Where is The Bank of Magnolia Company headquartered?
It is headquartered in Magnolia, OH, United States.
When was The Bank of Magnolia Company founded?
It was established in 1899, per the FDIC institution directory.
Is The Bank of Magnolia Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2300). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Magnolia Company?
The Bank of Magnolia Company's primary federal regulator is the FDIC.
What is The Bank of Magnolia Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bank of Magnolia Company operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Magnolia Company's Texas Ratio?
Its Texas Ratio is 0.56% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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