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.

From Q2 2025 to Q2 2026, the score fell 7 points (94 → 87), mostly because the loan quality component weakened by 26 points.

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

Similar-size banks in Georgia

Yes. Magnolia State Bank is an FDIC-insured institution (FDIC certificate #877). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.0% of deposits ($41.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.65%, 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

Magnolia State Bank lists 5 offices in 4 cities. Most locations:

• Milledgeville, GA (2)
• Athens, GA (1)
• Eastman, GA (1)
• Gray, GA (1)

All branch addresses and map

In 2025, Magnolia State Bank reported 79 home-loan applications under HMDA (LEI 254900Z8I9USTJ1JA072): 76 originated ($11,670,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.8%, 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.

Legal name

Magnolia State Bank

Former names

Bank of Eastman

Type

State-chartered bank

FDIC certificate #

877

RSSD ID

204237

Primary regulator

FDIC

Holding company

Magnolia Bankshares Inc

Established

January 2, 1919

Headquarters

130 Oak St, Eastman, GA 31023

Website

www.bankmsb.com

Employees

44