BlastPoint's Banking Scorecard

Magnolia Bank, Incorporated

$100M-$1B Specialty: Commercial KY FDIC cert 8120

Elizabethtown, KY

15 branches across KY · OH · CA · CT · DE · FL · GA · IN

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 88 in KY.
Deposits +2.4% year over year ($449.5M on the books).
Delinquency rate 2.06%.
Return on assets 0.93%.
Efficiency ratio 87.88% vs a 64.48% peer average.
Loan-to-deposit ratio 104.63% 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 88 in KY

View $100M-$1B leaderboard (KY) →

Magnolia Bank, Incorporated has 1 strength but faces 6 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

+ Revenue Diversifier: Top 15.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Ratio 23.40% above tier average
- Loan-to-Deposit Ratio 26.68% above tier average
- Nonperforming Asset Ratio 1.10% above tier average
- ROA 0.40% below tier average
- Net Interest Margin 0.31% below tier average
- Delinquency Rate 1.14% above tier average

Get updates when Magnolia Bank, Incorporated releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$546.3M +8.2% YoY +4.3% QoQ	+$159.8M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	76%
Total Loans ?	$470.3M +16.5% YoY +5.5% QoQ	+$212.0M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	Top 14.0% in tier
Total Deposits ?	$449.5M +2.4% YoY +3.0% QoQ	+$122.8M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	75%
Return on Assets ?	0.93% +561.9% YoY -37.5% QoQ	-0.40%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	30%
Net Interest Margin ?	3.68% +5.4% YoY +3.8% QoQ	-0.31%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	87.88% -11.5% YoY +1.1% QoQ	+23.40%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	Bottom 7.3% in tier
Delinquency Rate ?	2.06% +9.1% YoY -4.4% QoQ	+1.14%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	Bottom 12.3% in tier
Loan-to-Deposit Ratio ?	104.63% +13.8% YoY +2.4% QoQ	+26.68%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	Bottom 6.0% in tier
Non-Interest-Bearing Deposit Share ?	12.31% +13.6% YoY +2.9% QoQ	-9.72%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	15%
Nonperforming Asset Ratio ?	1.77% +17.4% YoY -3.3% QoQ	+1.10%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	Bottom 9.3% in tier
Tier 1 Capital Ratio ?	10.96% +3.8% YoY -1.1% QoQ	-4.95%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	23%
Non-Interest Income / Assets ?	4.34% -4.5% YoY +78.8% QoQ	+3.78%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	Top 0.8% in tier

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 (KY)	National Avg	Tier Percentile
Noninterest-Bearing	12.3% +1.5pp YoY +0.3pp QoQ	-9.8pp	22.1%	23.5%	22.2%	15%
Brokered Deposits	12.1% -0.4pp YoY -0.4pp QoQ	+4.2pp	7.9%	5.4%	8.5%	80%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	4.2% -0.5pp YoY -0.1pp QoQ	-7.3pp	11.6%	8.6%	12.5%	15%
CRE	41.6% +1.0pp YoY 0.0pp QoQ	+2.1pp	39.5%	37.1%	41.4%	56%
1-4 Family	28.7% -0.2pp YoY +0.9pp QoQ	-3.9pp	32.6%	41.6%	31.3%	48%
Consumer	0.6% -0.1pp YoY +0.1pp QoQ	-3.6pp	4.1%	4.8%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.2%	19.7%	n/a
Leverage Ratio	11.0% +0.4pp YoY -0.1pp QoQ	-1.2pp	12.2%	14.0%	12.6%	50%
Total Capital Ratio	n/a	n/a	19.9%	21.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	295 -47 (-13.7%) YoY -34 (-10.3%) QoQ	+236	58	105	482	100%
Assets per Employee ($)	$1.9M +25.5% YoY +16.3% QoQ	-$5.7M	$7.5M	$6.3M	$8.8M	1%
Branch Count	15 -1 (-6.2%) YoY 0 QoQ	+10	4	8	18	98%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.4%	60%
Nonaccrual	1.9% 0.0pp YoY -0.1pp QoQ	+1.0pp	0.9%	0.8%	1.0%	86%
Allowance Coverage	0.82x +3.1% YoY +11.5% QoQ	-23.33x	24.15x	7.45x	20.23x	21%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	8.9% +10.9pp YoY -5.2pp QoQ	-3.3pp	12.2%	13.3%	11.6%	30%
Cost of Funds (YTD)	2.3% -0.3pp YoY -0.1pp QoQ	+0.5pp	1.7%	1.7%	1.7%	83%
Net Income ($, YTD)	$2.4M +598.0% YoY — QoQ	-$110K	$2.6M	$5.1M	$40.4M	61%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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)

Revenue Diversifier

growth

#102 of 661 • Top 15.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 4.34%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.93%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 4.34%

Peer Median: 0.57%

#21 of 2643 Top 0.8% in $100M-$1B

372

Total Loans

size

Value: $470.35M

Peer Median: $258.35M

#372 of 2643 Top 14.0% in $100M-$1B

640

Total Assets

size

Value: $546.33M

Peer Median: $386.57M

#640 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (6 metrics)

2486

Loan-to-Deposit Ratio

liquidity

Value: 104.63%

Peer Median: 77.95%

#2486 of 2643 Bottom 6.0% in $100M-$1B

2450

Efficiency Ratio

profitability

Value: 87.88%

Peer Median: 64.48%

#2450 of 2643 Bottom 7.3% in $100M-$1B

2399

Nonperforming Asset Ratio

credit_quality

Value: 1.77%

Peer Median: 0.67%

#2399 of 2643 Bottom 9.3% in $100M-$1B

2309

Delinquency Rate

credit_quality

Value: 2.06%

Peer Median: 0.92%

#2309 of 2633 Bottom 12.3% in $100M-$1B

2239

Non-Interest-Bearing Deposit Share

funding

Value: 12.31%

Peer Median: 22.03%

#2239 of 2643 Bottom 15.3% in $100M-$1B

2041

Tier 1 Capital Ratio

capital

Value: 10.96%

Peer Median: 15.91%

#2041 of 2643 Bottom 22.8% in $100M-$1B