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Magnolia State Bank
Eastman, GA · FDIC Certificate #877 · Chartered 01/0
Total assets
$198.65M
Total deposits
$167.16M
Total equity
$30.56M
Net loans
$107.30M
Branches (offices)
5
Net income (YTD)
$1.97M
Rank: #2,985 of 4,213 U.S. banks by assets · #90 of 123 in Georgia. Assets changed 0.6% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.98% |
| Return on equity | 13.11% |
| Net interest margin (YTD) | 5.80% |
| Equity to assets | 15.38% |
| Tier 1 leverage ratio | 15.65% |
| Uninsured deposits (share of deposits) | 25.0% |
| Noncurrent loans (share of loans) | 1.21% |
| Net charge-offs (share of loans) | -0.06% |
| Loans to deposits | 64.2% |
| Real estate loans (share of loans) | 86.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $92.33M | 86.1% | |
| Commercial & industrial | $14.37M | 13.4% | |
| Consumer / individual | $1.85M | 1.7% | |
| Construction & development | $14.00M | 13.0% | |
| Agricultural | $168.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $212.74M | $189.72M | $640.00K | $21.01M |
| Jun 2023 | $209.97M | $183.57M | $3.39M | $24.63M |
| Jun 2024 | $202.15M | $173.09M | $3.01M | $27.40M |
| Jun 2025 | $197.56M | $166.16M | $2.61M | $30.13M |
| Jun 2026 | $198.65M | $167.16M | $1.97M | $30.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $167.16M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $167.16M.
Similar-sized banks
Gouverneur Savings And Loan Association ($198.86M) · Fidelity Bank ($198.64M)
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.
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