BlastPoint's Banking Scorecard
The Bank of Magnolia Company
Magnolia, OH
3 branches across OH
The Bank of Magnolia Company has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20.9% in tier
- + Deposit Franchise: Top 55.5% in tier
- + ROA 0.09% above tier average
- + Efficiency Ratio 6.61% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 35.4% in tier
- - Liquidity Overhang: Bottom 40.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.8M
+3.5% YoY
+4.2% QoQ
|
-$276.3M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.7% in tier |
| Total Loans ? |
$67.6M
+9.4% YoY
+1.6% QoQ
|
-$188.1M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.7% in tier |
| Total Deposits ? |
$95.4M
+3.2% YoY
+4.8% QoQ
|
-$232.5M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.3% in tier |
| Return on Assets ? |
1.36%
-17.5% YoY
+8.6% QoQ
|
+0.09% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
4.95%
+2.8% YoY
-2.1% QoQ
|
+1.02% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 7.9% in tier |
| Efficiency Ratio ? |
58.68%
+4.8% YoY
-13.1% QoQ
|
-6.61% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
0.04%
-30.2% YoY
-7.9% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
70.80%
+6.0% YoY
-3.0% QoQ
|
-5.84% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
32.30%
-1.5% YoY
+2.3% QoQ
|
+10.28% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Top 13.5% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-26.3% YoY
-10.2% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
22.09%
-2.4% YoY
+0.9% QoQ
|
+6.26% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Top 9.9% in tier |
| Non-Interest Income / Assets ? |
0.08%
+12.5% YoY
-74.8% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
42% |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.