Magnolia State Bank (FDIC #877): Bank Stress & Real-Estate Credit Exposure
Magnolia State Bank (FDIC Cert #877): bank stress 32/100, contained, STABLE over 7 days; parent MAGNOLIA BANKSHARES INC.
Magnolia State Bank (#877) lends in 4 counties across 1 state; Magnolia State Bank (#877) reaches 28 ZIP codes: Georgia 4 counties, 28 ZIPs.
Magnolia State Bank (#877) largest markets: Dodge County, GA (8 branches, 8 ZIPs) (#877), Jones County, GA (8 branches, 8 ZIPs) (#877), Oconee County, GA (8 branches, 8 ZIPs) (#877), Baldwin County, GA (14 branches, 7 ZIPs) (#877).
Magnolia State Bank (#877) reports $198.7 million in total assets; Magnolia State Bank (#877) equity $30.6 million (15.4% of Magnolia State Bank (#877) assets); Magnolia State Bank (#877) domestic deposits $167.2 million; Magnolia State Bank (#877) net income $2.0 million; Magnolia State Bank (#877) return on assets 1.98%; Magnolia State Bank (#877) return on equity 13.11%; Magnolia State Bank (#877) net interest income $5.1 million; Magnolia State Bank (#877) call report June 30, 2026.
Magnolia State Bank (#877) noncurrent real-estate loans: none reported; Magnolia State Bank (#877) net charge-offs on real estate 0.42%; Magnolia State Bank (#877) residential charge-offs 0.15%.
Magnolia State Bank (#877) net interest margin 5.80% against an eight-quarter Magnolia State Bank (#877) average of 6.02% (Magnolia State Bank (#877) compression 0.22 points); Magnolia State Bank (#877) non-residential real estate 14.7% of equity; Magnolia State Bank (#877) rate-exposure score 40/100, Magnolia State Bank (#877) fixed-rate trap 40/100; Magnolia State Bank (#877) risk type rate trapped; Magnolia State Bank (#877) rate regime rates elevated, Magnolia State Bank (#877) snapshot October 20, 2026.
Magnolia State Bank (#877) stress score moved from 28.2 on June 22, 2026 to 31.9 on October 20, 2026; Magnolia State Bank (#877) ranged 28.2 to 31.9 over 117 snapshots.
Magnolia State Bank (#877) alerts: 4 counties; top Magnolia State Bank (#877) alert scores: Athens County, GA 14 (low); Eastman County, GA 14 (low); Gray County, GA 14 (low); Milledgeville County, GA 14 (low).