Magnolia Bank, Inc: 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 CRE concentration (Tier 1 capital + allowance): 13.95 percentage points higher than in Q1 2026, at 216.48%. Among 120 Kentucky banks, Magnolia Bank, Inc sits 9th from the top on loan-to-deposit ratio, 106.40% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Magnolia Bank, Inc sits 25.56 points higher, at 106.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $478.3M |
| Net loans and leases | $470.3M |
| Loans held for sale | $96.0M |
| Loans to total assets | 87.54% |
| Loan-to-deposit ratio | 106.40% |
| Net loans to equity capital | 8.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.62% |
| Multifamily (5+ residential) | 5.87% |
| Commercial and industrial | 4.15% |
| Consumer | 0.55% |
| Credit cards | 0.00% |
| Farm | 5.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.48% |
| Construction concentration (Tier 1 capital + allowance) | 105.60% |
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 | — |
| Interest income on loans | $6.2M |
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 | $282.7M | $402.2M | 20.52% | 8.16% | 1.14% |
| Q4 2023 | $302.1M | $398.3M | 21.63% | 6.32% | 1.19% |
| Q1 2024 | $332.9M | $413.1M | 22.93% | 6.68% | 1.10% |
| Q2 2024 | $367.5M | $389.4M | 18.44% | 6.38% | 0.90% |
| Q3 2024 | $353.3M | $376.5M | 19.77% | 5.60% | 0.92% |
| Q4 2024 | $377.5M | $401.5M | 19.44% | 5.36% | 0.88% |
| Q1 2025 | $378.2M | $405.5M | 22.93% | 4.96% | 0.85% |
| Q2 2025 | $409.8M | $439.2M | 24.66% | 4.66% | 0.60% |
| Q3 2025 | $430.5M | $425.2M | 22.46% | 4.66% | 0.56% |
| Q4 2025 | $427.9M | $444.8M | 22.43% | 3.84% | 0.54% |
| Q1 2026 | $453.0M | $436.3M | 20.59% | 4.20% | 0.47% |
| Q2 2026 | $478.3M | $449.5M | 20.62% | 4.15% | 0.55% |
Magnolia Bank, Inc loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Magnolia Bank, Inc, 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 Magnolia Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8120) · FFIEC NIC profile (RSSD 261146)