BlastPoint's Banking Scorecard
Magnolia State Bank
Eastman, GA
5 branches across GA
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 GA.
- Deposits +0.6% year over year ($167.2M on the books).
- Delinquency rate 1.24%.
- Return on assets 1.98%.
- Efficiency ratio 64.44% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.19% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Magnolia State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 14.8% in tier
- + ROA 0.66% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 41.0% in tier
- - Credit Risk Growth: Bottom 45.0% in tier
- - Cost Spiral: Bottom 59.4% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$198.7M
+0.6% YoY
+0.4% QoQ
|
-$187.9M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$107.3M
+1.3% YoY
-5.4% QoQ
|
-$151.0M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$167.2M
+0.6% YoY
+0.2% QoQ
|
-$159.6M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
1.98%
-25.4% YoY
-7.5% QoQ
|
+0.66% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 13.6% in tier |
| Net Interest Margin ? |
5.80%
-6.2% YoY
-2.7% QoQ
|
+1.81% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 1.9% in tier |
| Efficiency Ratio ? |
64.44%
+13.0% YoY
+2.2% QoQ
|
-0.04% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
1.24%
+182.9% YoY
+181.2% QoQ
|
+0.32% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
64.19%
+0.7% YoY
-5.6% QoQ
|
-13.76% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
36.43%
-24.3% YoY
+0.2% QoQ
|
+14.40% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
Top 8.0% in tier |
| Nonperforming Asset Ratio ? |
0.72%
+81.4% YoY
+136.5% QoQ
|
+0.05% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
15.65%
+2.0% YoY
+2.7% QoQ
|
-0.26% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.19%
-34.8% YoY
+95.1% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
47% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
36.4%
-11.7pp YoY +0.1pp QoQ |
+14.3pp | 22.1% | 26.2% | 22.2% | 92% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.4%
-2.4pp YoY +0.3pp QoQ |
+1.8pp | 11.6% | 9.7% | 12.5% | 70% |
| CRE |
55.4%
+8.2pp YoY 0.0pp QoQ |
+15.9pp | 39.5% | 48.9% | 41.4% | 79% |
| 1-4 Family |
26.5%
-2.9pp YoY 0.0pp QoQ |
-6.1pp | 32.6% | 31.7% | 31.3% | 43% |
| Consumer |
1.7%
-0.7pp YoY -0.1pp QoQ |
-2.4pp | 4.1% | 4.8% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
15.6%
+0.3pp YoY +0.4pp QoQ |
+3.5pp | 12.2% | 14.0% | 12.6% | 89% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
44
-1 (-2.2%) YoY -2 (-4.3%) QoQ |
-15 | 58 | 98 | 482 | 46% |
| Assets per Employee ($) |
$4.5M
+2.8% YoY +5.0% QoQ |
-$3.0M | $7.5M | $7.5M | $8.8M | 8% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 6 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 14% |
| Nonaccrual |
1.2%
+0.9pp YoY +1.0pp QoQ |
+0.3pp | 0.9% | 0.8% | 1.0% | 76% |
| Allowance Coverage |
1.77x
-65.8% YoY -62.1% QoQ |
-22.38x | 24.15x | 38.10x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
-0.1%
+0.4pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 4% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
-5.1pp YoY -1.2pp QoQ |
+0.9pp | 12.2% | 13.6% | 11.6% | 57% |
| Cost of Funds (YTD) |
0.7%
+0.2pp YoY +0.1pp QoQ |
-1.1pp | 1.7% | 1.6% | 1.7% | 3% |
| Net Income ($, YTD) |
$2.0M
-24.6% YoY — QoQ |
-$589K | $2.6M | $6.6M | $40.4M | 51% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.