BlastPoint's Banking Scorecard
Magnolia Bank, Incorporated
Community
Specialty: Commercial
KY
FDIC cert 8120
Elizabethtown, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Magnolia Bank, Incorporated has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 24% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 46% in Community
- - Delinquency Rate 1.55% above tier
- - Nonperforming Asset Ratio 1.28% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$515.5M
+7.3% YoY
+2.5% QoQ
|
-$876.0M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$420.9M
+13.3% YoY
-0.6% QoQ
|
-$554.5M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$444.8M
+10.8% YoY
+4.6% QoQ
|
-$719.8M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.80%
-10.0% YoY
+124.6% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.57%
+7.5% YoY
+1.3% QoQ
|
-0.10% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
91.55%
+8.4% YoY
-2.7% QoQ
|
+28.92% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
2.18%
+127.1% YoY
+19.8% QoQ
|
+1.55% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
94.64%
+2.3% YoY
-5.0% QoQ
|
+11.57% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
11.85%
+13.3% YoY
+4.1% QoQ
|
-9.19% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
1.78%
+139.7% YoY
+16.1% QoQ
|
+1.28% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
9.66%
-12.1% YoY
+33.2% QoQ
|
+8.92% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#90 of 371 · Top 24% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
9.66%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.80%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (3)
Efficiency Drag
risk
#70 of 152 · Bottom 46% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
91.55%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.18%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.78%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest Income / Assets
Current: 9.66% · Tier avg: 0.74%
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
23
23th pctile
Loan-to-Deposit Ratio
Current: 94.64% · Tier avg: 83.06%
18
18th pctile
Total Loans
Current: $420.9M · Tier avg: $975.5M
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.85% · Tier avg: 21.05%
8
8th pctile
Delinquency Rate
Current: 2.18% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.50%
4
4th pctile
Total Deposits
Current: $444.8M · Tier avg: $1.2B
3
3th pctile
Efficiency Ratio
Current: 91.55% · Tier avg: 62.63%
2
2th pctile
Total Assets
Current: $515.5M · Tier avg: $1.4B
Top Weaknesses
2
2th pctile
Total Assets
Current: $515.5M · Tier avg: $1.4B
3
3th pctile
Efficiency Ratio
Current: 91.55% · Tier avg: 62.63%
4
4th pctile
Total Deposits
Current: $444.8M · Tier avg: $1.2B
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.18% · Tier avg: 0.63%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.85% · Tier avg: 21.05%
18
18th pctile
Total Loans
Current: $420.9M · Tier avg: $975.5M
23
23th pctile
Loan-to-Deposit Ratio
Current: 94.64% · Tier avg: 83.06%
25
25th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
100
100th pctile
Non-Interest Income / Assets
Current: 9.66% · Tier avg: 0.74%