# MAGNOLIA STATE BANK
EASTMAN, GA · FDIC certificate 877 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $198.7M | |
| Deposits | $167.2M | |
| Loans and leases | $109.7M | |
| Total equity | $30.6M | |
| Loans / deposits | 64.19% (p36 of band) | 73.59% |
| Liquid assets / assets | 44.33% (p70 of band) | |
| Uninsured deposits / deposits | 25.01% (p68 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.65% (p80 of band) | 11.76% |
| Unrealized securities loss / equity | -2.82% (p66 of band) | -6.57% |
| AOCI / equity | -2.65% (p8 of band) | |
| ROA (annualized) | 1.98% (p85 of band) | 1.17% |
| Net interest margin | 5.80% (p97 of band) | 3.93% |
| Efficiency ratio | 64.44% (p46 of band) | |
| Noncurrent loans | 1.21% (p74 of band) | 0.36% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | 176.99% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 45.80% (p77 of band) | |
| Auto loans | $608,000 (0.55% of loans; DQ 2.96%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 44 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | wholesale funding >15%, leverage <7%, losing money, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 | charge-offs p90 | wholesale funding >15% |
| 2011-09 | 8 | leverage <5%, capital falling |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 11 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 10 |  | uninsured deposits leaving |
| 2012-09 | 9 |  | capital falling |
| 2012-12 | 9 |  |  |
| 2013-03 | 9 | expense ratio p90 | losing money |
| 2013-06 | 11 | losing money, uninsured deposits leaving |  |
| 2013-09 | 10 |  | charge-offs p90 |
| 2013-12 | 11 | charge-offs p90 |  |
| 2014-03 | 9 |  | expense ratio p90, losing money |
| 2014-06 | 3 |  | leverage <5%, deposits shrinking, assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2014-09 | 5 | charge-offs p90, deposits shrinking |  |
| 2014-12 | 4 |  | deposits shrinking |
| 2015-03 | 3 |  | charge-offs p90 |
| 2015-06 | 4 | assets shrinking |  |
| 2015-09 | 3 | charge-offs p90 | leverage <7%, assets shrinking |
| 2015-12 | 3 | assets shrinking | charge-offs p90 |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | deposits shrinking |  |
| 2016-09 | 3 |  | deposits shrinking |
| 2016-12 | 2 |  | assets shrinking |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2018-06 | 3 | noncurrent p90 |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | charge-offs p90 |
| 2019-06 | 2 |  |  |
| 2019-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-12 | 1 |  | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-03 | 3 | charge-offs p90, deposits shrinking |  |
| 2020-06 | 2 | noncurrent p90 | charge-offs p90, deposits shrinking |
| 2020-09 | 1 |  | noncurrent p90 |
| 2020-12 | 2 | noncurrent p90 |  |
| 2021-03 | 3 | capital falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | noncurrent p90 |
| 2022-03 | 2 | noncurrent p90 |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | noncurrent p90 |  |
| 2023-12 | 3 | deposits shrinking, assets shrinking |  |
| 2024-03 | 0 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2024-06 | 1 | deposits shrinking |  |
| 2024-09 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 2 |  | uninsured deposits leaving |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 0 |  | deposits shrinking |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-11-29 [Driver crashes into Magnolia State Bank in Gray - 13WMAZ](https://news.google.com/rss/articles/CBMiywFBVV95cUxNY0lPbzF1LTdxb0JiY01BWVk5ZEpHd285alQ5eFk4YzhURkx1RVg0bzJuRTA3cWNSSFhrNVNsalBlTEhxQTNIUlhxcDd4bHJNVlVwMEpqTnpsVUZ4ZmhncWNOM1luTXB5MGJYZDRIOFFhQXZBSkpjVFFad0hmbmVRRkpxZTZhY1ExU2QtRXNzZG1VT2QxOTlBWFNrSy11dUtuREg1MXp6dk8yOEl3cENPazRkWVVySUYxVnUyRGNWb0dKc0pfTW1DUUVmWQ?oc=5) · 13WMAZ
- 2022-11-30 [Driver crashes into, enters Gray bank - WGXA](https://news.google.com/rss/articles/CBMiowFBVV95cUxQVUxTbklOYjljTklBYzJJb2pETGp3M0tyNHVrZnJMb3c1ZjhpdmhiQVB6SV9zVjk4RDdnMHg4aEdJU3gwUnh6WGhoTjNHY2FWdWp1ajliZ19MMDNVQ29iNU5fZmprTzBlSllOcVdVSVFzbEVDeVJEUUhBMXZzelBjUnltZTV3WGVTaWE5RE5Qdi1RLVNYdU01V0VsRGJUTEx0SEFj?oc=5) · WGXA
- 2016-05-06 [Martha Louise Clance Obituary May 6, 2016 - hartsmort.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBUbld2UF9KN0FnX0syZU1SdU1sTHJ5M0FQM2tnOFhjYS0tYTJTRm9YaVBFRE82aDFyWlM3bFFJMi1UNTU2ZndSS1VDdlZFM2ZHUmhxWFZjTVZ2SHIwWTlN?oc=5) · hartsmort.com
- 2017-06-02 [Business leaders join United Way board - Hattiesburg American](https://news.google.com/rss/articles/CBMiswFBVV95cUxNc1FIRjhzSldrckdZVlZGRllVZHFIUjlBVGZmRTdlRGdkWFVzWFlvNkRmSWxZQ1p0RHFPc2xYQVJ6QmtaSUVneEJMMnNjWnVDVFMtNUVuaXdaQjVvOFNnUFZxNUhLazRJbThGTTVONHBCd1lOazFsempkU0RkZlh4Tm5xMjRUSzVnOVJjV1hMbXZ5c0wzR3Zrc1dQLU1lVW10alZBYkRjUTJseXZXdExhWnpLcw?oc=5) · Hattiesburg American
- 2023-07-29 [Man, woman indicted for trying to dupe senior citizen - The Union-Recorder](https://news.google.com/rss/articles/CBMilAFBVV95cUxOVVZhZ0hDdGItMTh3bmNUUXN6TkdWdlppTTk2OWZpdkpwLVExZHVxN3FUSW5LenVsNm15QzVSRzhacG1OYXRpcUY4R0hLd3hXVnJwb1ZTdm1ZbUlMeGxaTUJyYzVZYm03V3BZdGNGeVF6azJsTkhlaTVlblZxa0RBUENKWUM5M1VkQnJtT3dseHhiNUVJ?oc=5) · The Union-Recorder
- 2016-06-06 [Federal documents reveal names, properties seized in multi-state pharmacy raid - WDAM-TV](https://news.google.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?oc=5) · WDAM-TV
- 2024-04-11 [Barbara Thigpen Obituary (2024) - Milledgeville, GA - Moores Funeral Home & Crematory - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxOdElqbG5yRkxVXzFDcUJjVHVsTnlCN2RaYlpKOGhhQnM2Z2daWUZhNDd0Z3B2Ylp0UWNMZ0xfb1lnUzFRVnVLT2hiR3ZvV1FGY0hoYlNBYnFBUms2M1Z5YzFDU0dGZjBJMnlxdkZla21xZVp3OEFHZ2tBX29kdE9mWm5Mbmw?oc=5) · Legacy obituary
- 2016-07-26 [Student arrested for allegedly spray-painting several Milledgeville businesses - WGXA](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOYWc4VFBORm5ockp6dUJGT25QLUJta1Z2Mm1kYm4xVXpZM0hWTXNVc2VRMmFQc1VqQWRGb3lJb25JUEItYkdjWXR4ZlV2M01qc2pkNVFJR0FMNUZPMU5LUEt6WGVDUXRpbmxUQ1hWTzZBSkJnZlNWV1VEclFsQ2hWTnRMa2VHTzNFbjQ3bFZaTDExcDhQMkhJSXJnOHZIazhNbWVuV3VxSHY?oc=5) · WGXA

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=877 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "877", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide