Mutual Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Mutual Savings and Loan Association is an FDIC-insured savings institution headquartered in Metairie, LA, established in 1910 (FDIC certificate 27716), and it is supervised by the OCC. At Q2 2026 it reported total assets of $35.9M, down 3.2% from Q2 2025, the 102nd largest of 102 banks headquartered in Louisiana.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 27716
- Headquarters
- Metairie, LA
- Established
- 1910
- Total assets, Q2 2026
- $35.9M
- Assets vs Q2 2025
- -3.2%
- Capital ratio
- Not reported
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 265070671
- Latest call report
- Q2 2026, FFIEC 051 · Mutual Savings and Loan Association call report
- Holding company
- MAGNOLIA BANCORP, INC
- Asset rank in state
- 102nd of 102 in Louisiana
Mutual Savings and Loan Association spends more to run itself than most banks of its size. It reported $36 million in assets at June 30, 2026, down 3.2% from a year earlier. It loses about $0.63 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 117 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
It lost $57,000 in the quarter.
As of June 30, 2026, Mutual Savings and Loan Association reported a CET1 capital ratio of 98.90%, a return on assets of -0.63%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 0.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Mutual Savings and Loan Association is the smallest of the 102 banks headquartered in Louisiana. From Q1 2026 to Q2 2026, its total assets fell 4.3% to $35.9M, loans fell 1.2% and deposits fell 7.8%. 1-4 family residential loans made up 95.1% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 2.3%. The FDIC Summary of Deposits lists 2 offices for it, in Metairie, LA and Mandeville, LA; its Metairie office books 79% of its branch deposits. By the capital ratios in its Q2 2026 call report, Mutual Savings and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2900 Clearview Pkwy, Metairie, LA 70006
- County
- Jefferson
- Metro Area
- New Orleans-Metairie, LA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $18.7M
- Allowance for credit losses
- $185K
- Net charge-offs (YTD)
- $0
- Average total assets
- $36.3M
- Average total loans
- $30.1M
- Average interest-bearing deposits
- $17.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 27716
- Fed RSSD
- 809070
- SEC CIK
- 2033615 → filed by MAGNOLIA BANCORP, INC
- Website
- www.mutualsavings.com →
- Parent Holding Company
- MAGNOLIA BANCORP, INC (RSSD 5975167) · MGNO
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Michael L. Hurley | CEO | Executive Chair & CEO |
| Robert W. Kimbro | PRES | President and CEO |
| Donice L. Wagner | CFO | EVP, Secretary and CFO |
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Mutual Savings and Loan Association's total assets ranged from $35.1M (Q3 2024) to $44.0M (Q4 2024), and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$35.9M total assets against $37.1M; $18.8M total liabilities against $19.8M.
$30.1M net loans and leases against $31.0M; $18.7M total deposits against $19.7M.
$0 securities against $0; $3.9M cash and balances due against $4.2M.
$389K total interest income against $395K; $51K total interest expense against $62K.
$338K net interest income against $333K.
$5K total noninterest income against -$4K; $400K total noninterest expense against $374K.
No provision recorded in the last 12 quarters.
-$57K net income against -$37K.
-0.63% return on assets against -0.39%; 3.88% net interest margin against 3.71%.
98.90% CET1 capital ratio against 97.21%; 47.17% tier 1 leverage ratio against 46.10%.
Inside the full Mutual Savings and Loan Association 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.
Mutual Savings and Loan Association rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.71% (Q1 2026) to -0.29% (Q1 2025) and its net interest margin ran from 3.09% (Q3 2024) to 3.88% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 98.90% | -0.63% | 0.22% | 0.39% | 3.88% |
| Q1 2026 | 98.44% | -0.71% | 0.43% | 0.76% | 3.78% |
| Q4 2025 | 97.62% | -0.52% | 0.43% | 0.77% | 3.85% |
| Q3 2025 | 96.40% | -0.48% | 0.23% | 0.41% | 3.80% |
| Q2 2025 | 97.21% | -0.39% | 0.23% | 0.42% | 3.71% |
| Q1 2025 | 97.69% | -0.29% | 0.00% | 0.00% | 3.46% |
| Q4 2024 | 73.80% | -0.45% | 0.00% | 0.28% | 3.15% |
| Q3 2024 | 72.61% | -0.39% | 0.00% | 0.00% | 3.09% |
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 |
|---|---|---|---|
| Mutual Savings and Loan Association (main office) | Metairie , LA | 70006 | $14.8M |
| Northshore Branch | Mandeville , LA | 70471 | $3.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in LA, rank 117 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Mutual Savings and Loan Association
What are Mutual Savings and Loan Association's total assets?
As of the Q2 2026 filing, Mutual Savings and Loan Association reported total assets of $35.9 million in its FFIEC call report.
Where is Mutual Savings and Loan Association headquartered?
It is headquartered in Metairie, LA, United States.
When was Mutual Savings and Loan Association founded?
It was established in 1910, per the FDIC institution directory.
Is Mutual Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #27716). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mutual Savings and Loan Association?
Mutual Savings and Loan Association's primary federal regulator is the OCC.
What is Mutual Savings and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 98.90% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Mutual Savings and Loan Association operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mutual Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 0.39% 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.
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