BlastPoint's Banking Scorecard
Magnolia State Bank
Micro
Specialty: Commercial
GA
FDIC cert 877
Designations: ✓ Community bank
Eastman, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Magnolia State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.63% above tier
- + Net Interest Margin 2.36% above tier
- + Non-Interest-Bearing Deposit Share 24.28% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.9M
+1.2% YoY
+1.3% QoQ
|
-$19.6M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$109.0M
+7.8% YoY
-4.6% QoQ
|
-$30.2M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$167.3M
+0.5% YoY
+3.0% QoQ
|
-$16.3M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
2.71%
-0.4% YoY
+3.8% QoQ
|
+1.63% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
6.21%
+2.9% YoY
+0.1% QoQ
|
+2.36% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
57.28%
+2.7% YoY
-0.7% QoQ
|
-10.44% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.33%
-43.8% YoY
-13.6% QoQ
|
-0.31% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
65.15%
+7.3% YoY
-7.3% QoQ
|
-9.37% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
46.68%
-1.0% YoY
-2.9% QoQ
|
+24.28% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.23%
-50.1% YoY
-15.2% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.69%
+83.1% YoY
+73.0% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.71%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.21%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
46.68%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
98
98th pctile
Net Interest Margin
Current: 6.21% · Tier avg: 3.85%
98
98th pctile
Return on Assets
Current: 2.71% · Tier avg: 1.08%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.68% · Tier avg: 22.39%
83
83th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
75
75th pctile
Efficiency Ratio
Current: 57.28% · Tier avg: 67.73%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
54
54th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
51
51th pctile
Total Assets
Current: $197.9M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Deposits
Current: $167.3M · Tier avg: $183.7M
46
46th pctile
Total Loans
Current: $109.0M · Tier avg: $139.2M
31
31th pctile
Loan-to-Deposit Ratio
Current: 65.15% · Tier avg: 74.53%
Top Weaknesses
31
31th pctile
Loan-to-Deposit Ratio
Current: 65.15% · Tier avg: 74.53%
46
46th pctile
Total Loans
Current: $109.0M · Tier avg: $139.2M
51
51th pctile
Total Deposits
Current: $167.3M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Assets
Current: $197.9M · Tier avg: $217.5M
54
54th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
75
75th pctile
Efficiency Ratio
Current: 57.28% · Tier avg: 67.73%
83
83th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.68% · Tier avg: 22.39%
98
98th pctile
Return on Assets
Current: 2.71% · Tier avg: 1.08%
98
98th pctile
Net Interest Margin
Current: 6.21% · Tier avg: 3.85%