Magnolia Bank, Inc: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 23.91 percentage points lower than in Q1 2026, at 50.39%. On return on assets, Magnolia Bank, Inc is 9th from the bottom among 119 Kentucky banks, 0.40% (Q2 2026). Magnolia Bank, Inc's return on assets of 0.40% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.85 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.96% |
| Equity capital to assets | 10.11% |
| Tangible equity to tangible assets | 10.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.29% |
| Non-performing assets ratio | 2.88% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 26.18% |
| Allowance for credit losses to loans | 1.66% |
| Reserve coverage of non-performing loans | 50.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.40% |
| Return on equity | 3.77% |
| Net interest margin | 4.10% |
| Efficiency ratio | 87.33% |
| Yield on earning assets | 6.34% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 106.40% |
| Core deposits to total deposits | 80.08% |
| Brokered deposits to total deposits | 12.08% |
| Deposits to assets | 82.28% |
| Securities to assets | 7.88% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.92% | -0.71% | 2.80% | 0.01% | 0.00% |
| Q4 2023 | 10.65% | 1.04% | 3.08% | 0.01% | 0.01% |
| Q1 2024 | 11.24% | 3.19% | 3.35% | 0.01% | 0.01% |
| Q2 2024 | 11.36% | 1.75% | 3.76% | 0.01% | 0.01% |
| Q3 2024 | 11.42% | 0.81% | 2.97% | 1.00% | -0.01% |
| Q4 2024 | 10.77% | -2.14% | 3.51% | 1.11% | 0.03% |
| Q1 2025 | 11.08% | 0.03% | 3.48% | 1.05% | 0.00% |
| Q2 2025 | 10.56% | -0.43% | 3.51% | 1.96% | 0.01% |
| Q3 2025 | 10.53% | 1.44% | 3.95% | 1.82% | 0.01% |
| Q4 2025 | 11.05% | 2.13% | 4.14% | 2.07% | 0.08% |
| Q1 2026 | 11.08% | 1.48% | 3.74% | 2.10% | 0.02% |
| Q2 2026 | 10.96% | 0.40% | 4.10% | 3.29% | 0.00% |
Magnolia Bank, Inc vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Magnolia Bank, Inc, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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