BlastPoint's Banking Scorecard
Magnolia State Bank
Eastman, GA
5 branches across GA
Magnolia State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 16.5% in tier
- + Return on Assets 0.88% above tier average
- + Efficiency Ratio 2.24% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.8M
+1.4% YoY
-0.0% QoQ
|
-$188.2M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$113.4M
+12.8% YoY
+4.0% QoQ
|
-$142.3M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$166.8M
+1.0% YoY
-0.3% QoQ
|
-$161.2M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
2.14%
+1.6% YoY
-20.9% QoQ
|
+0.88% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Top 9.6% in tier |
| Net Interest Margin ? |
5.96%
+2.1% YoY
-4.1% QoQ
|
+2.03% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Top 1.6% in tier |
| Efficiency Ratio ? |
63.04%
-1.2% YoY
+10.1% QoQ
|
-2.24% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
51% |
| Delinquency Rate ? |
0.44%
-15.9% YoY
+35.0% QoQ
|
-0.45% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
67.99%
+11.7% YoY
+4.4% QoQ
|
-8.65% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
36.36%
-23.3% YoY
-22.1% QoQ
|
+14.34% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Top 8.4% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-29.8% YoY
+31.3% QoQ
|
-0.33% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
15.23%
+2.9% YoY
+2.5% QoQ
|
-0.60% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.10%
-20.9% YoY
-85.8% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.