Advertisement
Magnolia Bank, Incorporated
Elizabethtown, KY · FDIC Certificate #8120 · Chartered 11/0
Total assets
$546.33M
Total deposits
$449.53M
Total equity
$55.26M
Net loans
$470.35M
Branches (offices)
2
Net income (YTD)
$2.44M
Rank: #1,680 of 4,213 U.S. banks by assets · #34 of 120 in Kentucky. Assets changed 8.2% and deposits 2.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.93% |
| Return on equity | 8.92% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 10.11% |
| Tier 1 leverage ratio | 10.96% |
| Uninsured deposits (share of deposits) | 41.3% |
| Noncurrent loans (share of loans) | 2.02% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 104.6% |
| Real estate loans (share of loans) | 76.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $358.69M | 76.3% | |
| Commercial & industrial | $19.88M | 4.2% | |
| Consumer / individual | $2.63M | 0.6% | |
| Construction & development | $68.87M | 14.6% | |
| Agricultural | $3.68M | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $452.51M | $376.45M | $676.00K | $49.15M |
| Jun 2023 | $428.98M | $383.41M | -$1.09M | $39.31M |
| Jun 2024 | $508.60M | $389.40M | $6.08M | $48.78M |
| Jun 2025 | $504.81M | $439.19M | -$491.00K | $48.63M |
| Jun 2026 | $546.33M | $449.53M | $2.44M | $55.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $449.53M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $449.53M.
Similar-sized banks
Fidelity Bank ($546.82M) · Glenwood State Bank (Incorporated) ($545.21M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement