The Bank of Magnolia Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Bank of Magnolia Company of Magnolia, OH against its peer group of 2603 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.82% | 1.25% | -0.43% | 15th bottom |
| ROAE | 6.45% | 13.21% | -6.76% | 8th bottom |
| Net Interest Margin | 5.17% | 3.95% | +1.22% | 92nd top |
| Efficiency Ratio | 63.16% | 61.29% | +1.87% | 27th below |
| PPNR / Avg Assets | 1.88% | — | — | 55th above |
| Yield on Earning Assets | 5.92% | 5.68% | +0.24% | 68th above |
| Cost of Funds | 0.78% | 1.88% | -1.10% | 93rd top |
| Net Interest Spread | 4.71% | — | — | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.45% | 0.93% | -0.48% | 46th below |
| NPA / Total Assets | 0.30% | — | — | 48th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 60th above |
| ACL / Total Loans | 1.08% | — | — | 34th below |
| ACL / NPLs (Coverage) | 238.51% | — | — | 48th below |
| Texas Ratio | 2.22% | 7.37% | -5.15% | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.07% | 17.08% | +5.99% | 81st top |
| Tier 1 Ratio | 23.07% | 17.11% | +5.96% | 81st top |
| Total Capital Ratio | 24.32% | — | — | 83rd top |
| Leverage Ratio | 13.23% | 11.73% | +1.50% | 73rd above |
| Equity / Assets | 12.69% | 10.97% | +1.72% | 76th top |
| TCE / Tangible Assets | 12.69% | — | — | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 75.89% | 80.71% | -4.82% | 47th below |
| Core Deposit Ratio | 96.84% | 86.89% | +9.95% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.82% | — | — | 42nd below |
| Loan Growth (Y/Y) | 8.66% | — | — | 69th above |
| Deposit Growth (Y/Y) | 2.13% | — | — | 36th below |
See The Bank of Magnolia Company's peers by name
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Unlock The Bank of Magnolia Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Bank of Magnolia Company profile, how to read a UBPR, or how this data updates.