TellerScore

Magnolia Bank, Incorporated (FDIC certificate #8120) is based in Elizabethtown, Kentucky. Its Q2 2026 call report shows $546.3M in total assets and $449.5M in deposits and 15 offices.

Magnolia Bank, Incorporated has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 112th. Problem-loan coverage contributes the most (69/100, 15.3%); funding & liquidity contributes the least (27/100, 105% loans-to-deposits, 41% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.96%
Loan quality33/100
Noncurrent loans ÷ total loans: 2.02%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity27/100
Loans ÷ deposits and uninsured-deposit share: 104.6% · 41.3% uninsured
Problem-loan coverage69/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 15.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (42 → 49), mostly because the earnings component improved by 45 points.

TellerScore
426282Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202472
Q4 202463
Q1 202556
Q2 202542
Q3 202545
Q4 202549
Q1 202653
Q2 202649
Tier 1 leverage ratio
5.00%8.21%11.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.36%
Q3 202411.42%
Q4 202410.77%
Q1 202511.08%
Q2 202510.56%
Q3 202510.53%
Q4 202511.05%
Q1 202611.08%
Q2 202610.96%
Noncurrent loans
0.04%1.09%2.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20241.01%
Q4 20240.95%
Q1 20250.96%
Q2 20251.86%
Q3 20251.79%
Q4 20252.15%
Q1 20262.12%
Q2 20262.02%
Return on assets
-0.20%1.12%2.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.44%
Q3 20241.90%
Q4 20240.89%
Q1 20250.02%
Q2 2025-0.20%
Q3 20250.36%
Q4 20250.80%
Q1 20261.48%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$546.3M10.96%2.02%0.93%104.6%
Q1 202653$523.7M11.08%2.12%1.48%102.2%
Q4 202549$515.5M11.05%2.15%0.80%94.6%
Q3 202545$502.7M10.53%1.79%0.36%99.6%
Q2 202542$504.8M10.56%1.86%-0.20%91.9%
Q1 202556$485.4M11.08%0.96%0.02%91.8%
Q4 202463$480.4M10.77%0.95%0.89%92.5%
Q3 202472$491.8M11.42%1.01%1.90%92.4%
Q2 202482$508.6M11.36%0.04%2.44%93.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.96%
50th
Total risk-based capital0.00%
24th
Problem loans2.02%
12th
Net charge-offs0.01%
51st
Return on assets0.93%
30th
Net interest margin3.68%
36th
Efficiency ratio87.9%
7th
Loans to deposits104.6%
6th
Uninsured deposits41.3%
9th
Loan-loss reserves1.66%
86th
Texas ratio15.3%
10th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
The Murray BankBank Murray, KY60 out of 100, Moderate$534.1M10.0%1.95%vs
West Point BankBank Radcliff, KY57 out of 100, Moderate$560.6M8.5%0.93%vs
Peoples Bank of Kentucky, Inc.Bank Flemingsburg, KY45 out of 100, Below average$564.9M11.1%3.20%vs
United Community Bank of West Kentucky, Inc.Bank Morganfield, KY78 out of 100, Strong$524.9M11.0%0.11%vs
The Casey County Bank, Inc.Bank Liberty, KY71 out of 100, Strong$508.4M8.3%0.10%vs
First Kentucky Bank, Inc.Bank Mayfield, KY73 out of 100, Strong$585.6M9.3%0.25%vs

Deposit insurance

Is my money safe at Magnolia Bank, Incorporated?

Yes. Magnolia Bank, Incorporated is an FDIC-insured institution (FDIC certificate #8120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.3% of deposits ($185.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

Magnolia Bank, Incorporated lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Magnolia Bank, Incorporated reported 5,470 home-loan applications under HMDA (LEI 549300REENMLD2RN3W58): 4,097 originated ($1,209,645,000 total), 476 denied, and 856 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Magnolia Bank, Incorporated
Former names
Bank of Magnolia; Magnolia Bank
Type
State-chartered bank
FDIC certificate #
8120
RSSD ID
261146
Primary regulator
FDIC
Holding company
Magnolia Bancshares Inc
Established
November 4, 1919
Headquarters
651 W Dixie Ave, Elizabethtown, KY 42701
Employees
295

Quick answers

Magnolia Bank, Incorporated: common questions

Is Magnolia Bank, Incorporated FDIC insured?

Yes. Magnolia Bank, Incorporated is an FDIC-insured institution (FDIC certificate #8120). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Magnolia Bank, Incorporated's TellerScore?

49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Magnolia Bank, Incorporated ever failed?

There is no failure record for FDIC certificate #8120 in the FDIC failed bank list.

How many branches does Magnolia Bank, Incorporated have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Elizabethtown

InstitutionScoreAssetsCapitalProblem loansCompare
The Lincoln National Bank of HodgenvilleBank Hodgenville, KY86 out of 100, Very strong$454.4M14.9%0.43%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Town & Country Bank and Trust CompanyBank Bardstown, KY82 out of 100, Strong$433.7M12.7%0.42%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs