Side-by-side · Q2 2026 data
Magnolia State Bank vs Macon-Bibb Employees Credit Union
Metric by metric
| Measure | Magnolia State Bank | Macon-Bibb Employees Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 60 | 85 (stronger) |
| Earnings | 99 (stronger) | 0 |
| Funding & liquidity | 85 | 97 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 91st | 26th |
| Total assets | $198.7M | $2.7M |
| Deposits / shares | $167.2M | $2.4M |
| Capital ratio | 15.65% (stronger) | 10.76% |
| Problem loans | 1.21% | 0.45% (stronger) |
| Net charge-offs | -0.06% | -0.28% (stronger) |
| Return on assets | 1.98% (stronger) | -1.86% |
| Loans ÷ deposits | 64.2% | 63.3% (stronger) |
| Uninsured deposits | 25.0% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.8% | — |
Magnolia State Bank has the higher TellerScore (87 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Magnolia State Bank leads on 3 and Macon-Bibb Employees Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.