BlastPoint's Banking Scorecard

Magnolia Bank, Incorporated

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

Elizabethtown, KY

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

2664 banks in the $100M-$1B peer group nationally 88 in KY

Magnolia Bank, Incorporated has 2 strengths but faces 5 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 10.7% in tier
+ ROA 0.21% above tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 21.60% above tier average
- Loan-to-Deposit Ratio 25.57% above tier average
- Nonperforming Asset Ratio 1.19% above tier average
- Net Interest Margin 0.39% below tier average
- Delinquency Rate 1.26% above tier average

Get updates when Magnolia Bank, Incorporated releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$523.7M +7.9% YoY +1.6% QoQ	+$137.7M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$446.0M +19.8% YoY +6.0% QoQ	+$190.3M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$436.3M +7.6% YoY -1.9% QoQ	+$108.4M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	1.48% +84.2% QoQ	+0.21%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	3.55% +3.8% YoY -0.6% QoQ	-0.39%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	86.89% -12.1% YoY -5.1% QoQ	+21.60%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	Bottom 8.8% in tier
Delinquency Rate ?	2.15% +120.5% YoY -1.4% QoQ	+1.26%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	Bottom 11.1% in tier
Loan-to-Deposit Ratio ?	102.21% +11.3% YoY +8.0% QoQ	+25.57%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	Bottom 6.6% in tier
Non-Interest-Bearing Deposit Share ?	11.96% +1.6% YoY +0.9% QoQ	-10.06%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Bottom 14.8% in tier
Nonperforming Asset Ratio ?	1.83% +144.8% YoY +2.8% QoQ	+1.19%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	Bottom 8.0% in tier
Tier 1 Capital Ratio ?	11.08% -0.0% YoY +0.3% QoQ	-4.75%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	2.43% +4.7% YoY -74.9% QoQ	+2.15%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Top 0.7% in tier

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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

#72 of 666 • Top 10.7% 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: 2.43%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.48%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.43%

Peer Median: 0.28%

#19 of 2664 Top 0.7% in $100M-$1B

423

Total Loans

size

Value: $445.98M

Peer Median: $255.72M

#423 of 2664 Top 15.8% in $100M-$1B

Top Weaknesses (6 metrics)

2488

Loan-to-Deposit Ratio

liquidity

Value: 102.21%

Peer Median: 76.64%

#2488 of 2664 Bottom 6.6% in $100M-$1B

2453

Nonperforming Asset Ratio

credit_quality

Value: 1.83%

Peer Median: 0.64%

#2453 of 2664 Bottom 8.0% in $100M-$1B

2430

Efficiency Ratio

profitability

Value: 86.89%

Peer Median: 65.29%

#2430 of 2664 Bottom 8.8% in $100M-$1B

2361

Delinquency Rate

credit_quality

Value: 2.15%

Peer Median: 0.89%

#2361 of 2654 Bottom 11.1% in $100M-$1B

2271

Non-Interest-Bearing Deposit Share

funding

Value: 11.96%

Peer Median: 22.02%

#2271 of 2664 Bottom 14.8% in $100M-$1B

2029

Tier 1 Capital Ratio

capital

Value: 11.08%

Peer Median: 15.83%

#2029 of 2664 Bottom 23.9% in $100M-$1B