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The Bank of Magnolia Company

$100M-$1B Specialty: Other OH FDIC cert 2300

Magnolia, OH

3 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +1.3% year over year ($92.8M on the books).
  • Delinquency rate 0.12%.
  • Return on assets 1.71%.
  • Efficiency ratio 59.66% vs a 64.48% peer average.
  • Loan-to-deposit ratio 73.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Bank of Magnolia Company has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 45.0% in tier
  • + ROA 0.39% above tier average
  • + Efficiency Ratio 4.82% below tier average
  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 13.3% in tier
  • - Credit Risk Growth: Bottom 25.5% in tier
  • - Liquidity Overhang: Bottom 32.1% in tier
Get updates when The Bank of Magnolia Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $107.8M
+2.5% YoY -1.7% QoQ
-$278.7M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 2.0% in tier
Total Loans ? $67.9M
+6.9% YoY +0.5% QoQ
-$190.4M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Bottom 6.6% in tier
Total Deposits ? $92.8M
+1.3% YoY -2.8% QoQ
-$234.0M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 3.5% in tier
Return on Assets ? 1.71%
-3.5% YoY +25.6% QoQ
+0.39% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 5.00%
+1.1% YoY +1.1% QoQ
+1.01% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Top 8.0% in tier
Efficiency Ratio ? 59.66%
+2.7% YoY +1.7% QoQ
-4.82% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 0.12%
+110.5% YoY +177.9% QoQ
-0.80% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 73.21%
+5.6% YoY +3.4% QoQ
-4.75% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 33.94%
+7.0% YoY +5.1% QoQ
+11.90% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Top 10.8% in tier
Nonperforming Asset Ratio ? 0.08%
+119.6% YoY +184.3% QoQ
-0.59% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 23.18%
+6.1% YoY +4.9% QoQ
+7.27% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Top 8.7% in tier
Non-Interest Income / Assets ? 0.22%
+39.8% YoY +160.0% QoQ
-0.35% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 33.9%
+2.2pp YoY
+1.6pp QoQ
 +11.8pp 22.1% 18.8% 22.2% 89%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 10.1%
+0.1pp YoY
+0.2pp QoQ
 -1.4pp 11.6% 10.2% 12.5% 53%
CRE n/a n/a 39.5% 34.2% 41.4% n/a
1-4 Family 63.9%
-0.1pp YoY
+0.6pp QoQ
 +31.2pp 32.6% 50.0% 31.3% 92%
Consumer 4.6%
-0.5pp YoY
-0.2pp QoQ
 +0.5pp 4.1% 4.7% 5.0% 75%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 23.2%
+1.3pp YoY
+1.1pp QoQ
 +4.4pp 18.8% 22.1% 19.7% 86%
Leverage Ratio 13.0%
+0.7pp YoY
+0.1pp QoQ
 +0.8pp 12.2% 12.9% 12.6% 75%
Total Capital Ratio 24.4%
+1.3pp YoY
+1.1pp QoQ
 +4.5pp 19.9% 23.2% 20.8% 86%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 19
0 YoY
0 QoQ
 -40 58 2,433 482 9%
Assets per Employee ($) $5.7M
+2.5% YoY
-1.7% QoQ
 -$1.8M $7.5M $7.6M $8.8M 26%
Branch Count 3
0 YoY
0 QoQ
 -2 4 81 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 0.6% 1.0% 21%
Allowance Coverage 9.32x
-55.5% YoY
-63.9% QoQ
 -14.83x 24.15x 18.95x 20.23x 81%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 13.8%
-1.0pp YoY
+2.6pp QoQ
 +1.6pp 12.2% 9.7% 11.6% 61%
Cost of Funds (YTD) 0.8%
+0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.7% 1.7% 5%
Net Income ($, YTD) $920,000
0.0% YoY
— QoQ
 -$1.6M $2.6M $259.3M $40.4M 24%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#126 of 278 • Top 45.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 33.94%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.00%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk
#168 of 1256 • Bottom 13.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.12%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#240 of 936 • Bottom 25.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Overhang

risk
#239 of 742 • Bottom 32.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 23.18%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 73.21%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

213
Net Interest Margin
profitability
Value: 5.00%
Peer Median: 3.99%
#213 of 2643 Top 8.0% in $100M-$1B
232
Tier 1 Capital Ratio
capital
Value: 23.18%
Peer Median: 15.91%
#232 of 2643 Top 8.7% in $100M-$1B
287
Non-Interest-Bearing Deposit Share
funding
Value: 33.94%
Peer Median: 22.03%
#287 of 2643 Top 10.8% in $100M-$1B
630
Return on Assets
profitability
Value: 1.71%
Peer Median: 1.32%
#630 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (3 metrics)

2591
Total Assets
size
Value: $107.84M
Peer Median: $386.57M
#2591 of 2643 Bottom 2.0% in $100M-$1B
2552
Total Deposits
size
Value: $92.78M
Peer Median: $326.73M
#2552 of 2643 Bottom 3.5% in $100M-$1B
2469
Total Loans
size
Value: $67.92M
Peer Median: $258.35M
#2469 of 2643 Bottom 6.6% in $100M-$1B
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