The Bank of Magnolia Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.44 percentage points higher than in Q1 2026, at 74.02%. Within Ohio, The Bank of Magnolia Company is 108th of 156 on loan-to-deposit ratio, 74.02% as of Q2 2026, below the middle of the field. The Bank of Magnolia Company reported 74.02% on loan-to-deposit ratio for Q2 2026, 6.82 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.7M |
| Net loans and leases | $67.9M |
| Loans held for sale | $0 |
| Loans to total assets | 63.68% |
| Loan-to-deposit ratio | 74.02% |
| Net loans to equity capital | 4.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.14% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.02% |
| Consumer | 4.57% |
| Credit cards | 0.00% |
| Farm | 0.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.77% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.83% |
| Construction concentration (Tier 1 capital + allowance) | 21.83% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.87% |
| Interest income on loans | $1.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $53.3M | $87.1M | 19.50% | 10.09% | 6.37% |
| Q4 2023 | $56.1M | $89.7M | 18.91% | 10.39% | 5.75% |
| Q1 2024 | $56.8M | $90.1M | 17.39% | 9.96% | 5.62% |
| Q2 2024 | $58.2M | $85.7M | 16.97% | 9.67% | 6.09% |
| Q3 2024 | $59.5M | $87.8M | 17.19% | 9.36% | 5.54% |
| Q4 2024 | $60.6M | $87.1M | 16.22% | 8.94% | 5.51% |
| Q1 2025 | $62.5M | $92.5M | 16.42% | 8.90% | 5.12% |
| Q2 2025 | $64.3M | $91.6M | 16.07% | 9.91% | 5.04% |
| Q3 2025 | $65.2M | $91.5M | 16.72% | 9.89% | 5.15% |
| Q4 2025 | $67.2M | $91.1M | 18.44% | 8.79% | 4.91% |
| Q1 2026 | $68.3M | $95.4M | 16.65% | 9.81% | 4.75% |
| Q2 2026 | $68.7M | $92.8M | 16.14% | 10.02% | 4.57% |
The Bank of Magnolia Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Magnolia Company, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Magnolia Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2300) · FFIEC NIC profile (RSSD 940021)