Side-by-side · Q2 2026 data
Magnolia State Bank vs First American Bank and Trust Company
Metric by metric
| Measure | Magnolia State Bank | First American Bank and Trust Company |
|---|---|---|
| TellerScore | 87 (stronger) | 86 |
| Capital cushion | 100 (stronger) | 83 |
| Loan quality | 60 | 100 (stronger) |
| Earnings | 99 | 99 |
| Funding & liquidity | 85 (stronger) | 44 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 91st | 90th |
| Total assets | $198.7M | $901.9M |
| Deposits / shares | $167.2M | $753.2M |
| Capital ratio | 15.65% (stronger) | 13.34% |
| Problem loans | 1.21% | 0.00% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 1.98% (stronger) | 1.98% |
| Loans ÷ deposits | 64.2% (stronger) | 93.1% |
| Uninsured deposits | 25.0% (stronger) | 36.3% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | 2.5% |
Magnolia State Bank has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Magnolia State Bank leads on 6 and First American Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.