D
Magnolia Bank, Incorporated
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Magnolia Bank, Incorporated
Elizabethtown, KY
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Rating D
Asset Quality Index 3.80
Capitalization Index 9.30
Liquidity Index 0.10
Profitability Index 2.60
Stability Index 8.50
Company Info Magnolia Bank, Incorporated
Elizabethtown, KY
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FDIC Number 8120
Phone Number (270) 765-4072
Website www.magnoliabank.com
Asset Quality Magnolia Bank, Incorporated
Elizabethtown, KY
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1-Year Asset Growth 2.22%
5-Year Asset Growth 10.67%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 1.40%
Non-Performing Loans to Capital 11.99%
Non-Performing Loans to Loans 1.82%
Balance Sheet Magnolia Bank, Incorporated
Elizabethtown, KY
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Total Assets 502.72M
Total Deposits 425.24M
Capital and Reserves Magnolia Bank, Incorporated
Elizabethtown, KY
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Capital 50.81M
Leverage Ratio 10.53
Loan Loss Reserves to Loans 1.62%
Risk-Based Capital Ratio --
Liquidity Magnolia Bank, Incorporated
Elizabethtown, KY
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Hot Money Ratio 23.56%
Liquidity Ratio 7.29%
Profitability Magnolia Bank, Incorporated
Elizabethtown, KY
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5-Year Return on Average Assets 2.98%
Net Income 1.32M
Net Interest Spread 3.72%
Operating Profit to Average Assets 0.53%
Overhead Efficiency Ratio 94.14%
Return on Assets 0.36%
Return on Equity 3.58%