Magnolia Bank, Inc
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Data as of · sourced from FFIEC call reports. How we update
Magnolia Bank, Inc is an FDIC-insured commercial bank headquartered in Elizabethtown, KY, established in 1919 (FDIC certificate 8120), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $546.3M, up 8.2% from Q2 2025, the 34th largest of 120 banks headquartered in Kentucky. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.96% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8120
- Headquarters
- Elizabethtown, KY
- Established
- 1919
- Total assets, Q2 2026
- $546.3M
- Assets vs Q2 2025
- +8.2%
- Tier 1 leverage ratio, Q2 2026
- 10.96%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 083906888
- Latest call report
- Q2 2026, FFIEC 041 · Magnolia Bank, Inc call report
- Holding company
- MAGNOLIA BANCSHARES, INC.
- Asset rank in state
- 34th of 120 in Kentucky
Magnolia Bank, Inc spends more to run itself than most banks of its size. Based in Elizabethtown, Kentucky, it had $546 million in assets at June 30, 2026, up 8.2% from a year earlier. It earns about $0.40 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans are outrunning deposits: over the year loans rose 16.7% and deposits rose 2.4%. Credit is the area to watch: it carries problem assets equal to 13.1% of the capital and reserves that would absorb them, 5.0 times the median of 2.6% for banks its size.
As of June 30, 2026, Magnolia Bank, Inc reported a return on assets of 0.40%, a nonperforming-loan ratio of 2.02% and a Texas ratio of 13.12%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Magnolia Bank, Inc is the 34th largest of the 120 banks headquartered in Kentucky. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.3% to $546.3M, loans rose 5.6% and deposits rose 3.0%. 1-4 family residential loans made up 28.3% of its total loans on June 30, 2026, its largest category; next came leases at 18.9%. The FDIC Summary of Deposits lists 2 offices for it, in Hodgenville, KY and Elizabethtown, KY; its Hodgenville office books 51% of its branch deposits. On its Q2 2026 call report, Magnolia Bank, Inc meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 651 W Dixie Ave, Elizabethtown, KY 42701
- County
- Hardin
- Metro Area
- Elizabethtown, KY
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- November 4, 1919
- Former names
- Magnolia Bank, Incorporated (2021); Magnolia Bank (2003-2021)
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 295
- Domestic deposits
- $449.5M
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- $14K
- Average total assets
- $522.6M
- Average total loans
- $355.2M
- Average interest-bearing deposits
- $384.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8120
- Fed RSSD
- 261146
- SEC CIK
- 2138881 → filed by MAGNOLIA BANCSHARES, INC.
- Website
- www.magnoliabank.com →
- Parent Holding Company
- MAGNOLIA BANCSHARES, INC. (RSSD 1095843)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Magnolia Bank, Inc reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Magnolia Bank, Inc's total assets moved between a low of $466.3M (Q3 2023) and a high of $546.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$546.3M total assets against $504.8M; $491.1M total liabilities against $456.2M.
$470.3M net loans and leases against $403.7M; $449.5M total deposits against $439.2M.
$43.1M securities against $70.0M; $8.7M cash and balances due against $9.3M.
$7.7M total interest income against $7.2M; $2.8M total interest expense against $3.0M.
$4.9M net interest income against $4.2M.
$11.0M total noninterest income against $11.7M; $14.1M total noninterest expense against $15.8M.
$1.1M provision for credit losses against $322K.
$522K net income against -$521K.
0.40% return on assets against -0.43%; 4.10% net interest margin against 3.51%.
10.96% tier 1 leverage ratio against 10.56%.
Inside the full Magnolia Bank, Inc terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Magnolia Bank, Inc rankings
Its closest position to the top of a national ranking is 404 of 3,640, for Texas Ratio; its furthest is 3,428 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.14% (Q4 2024) to 2.13% (Q4 2025) and its net interest margin ran from 2.97% (Q3 2024) to 4.14% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.96% | 0.40% | 2.02% | 13.12% | 4.10% |
| Q1 2026 | 11.08% | 1.48% | 2.12% | 13.13% | 3.74% |
| Q4 2025 | 11.05% | 2.13% | 2.15% | 13.87% | 4.14% |
| Q3 2025 | 10.53% | 1.44% | 1.79% | 12.00% | 3.95% |
| Q2 2025 | 10.56% | -0.43% | 1.86% | 12.64% | 3.51% |
| Q1 2025 | 11.08% | 0.03% | 0.96% | 6.61% | 3.48% |
| Q4 2024 | 10.77% | -2.14% | 0.95% | 6.40% | 3.51% |
| Q3 2024 | 11.42% | 0.81% | 1.01% | 6.29% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Parkway Plaza Branch | Hodgenville , KY | 42748 | $227.2M |
| Magnolia Bank, Incorporated | Elizabethtown , KY | 42701 | $222.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in KY, rank 52 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,582 applications, 4,097 loans originated, $1.21B originated, across 50 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.3M approved, $317K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 Magnolia Bank, Inc
What are Magnolia Bank, Inc's total assets?
As of the Q2 2026 filing, Magnolia Bank, Inc reported total assets of $546.3 million in its FFIEC call report.
Where is Magnolia Bank, Inc headquartered?
It is headquartered in Elizabethtown, KY, United States.
When was Magnolia Bank, Inc founded?
It was established in 1919, per the FDIC institution directory.
Is Magnolia Bank, Inc FDIC-insured?
Yes. It 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.
How many branches does Magnolia Bank, Inc operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Magnolia Bank, Inc's Texas Ratio?
Its Texas Ratio is 13.12% 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.
What was Magnolia Bank, Inc previously called?
The charter now named Magnolia Bank, Inc has also operated as Magnolia Bank, Incorporated (2021), Magnolia Bank (2003-2021), per FDIC structure-change records.
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