Magnolia Bank, Incorporated
Elizabethtown, KY
IDRSSD: 261146
Total Assets
$502.72M
Latest filing
Total Deposits
$425.24M
Latest filing
Net Interest Margin
3.55%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Magnolia Bank, Incorporated
651 W Dixie Ave
Elizabethtown, KY 42701
Full Service - Brick and Mortar
Updated 11/14/2025Established 11/04/1919FDIC Certificate 5169
Branches (15)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Magnolia Bank, Incorporated (Main) | 651 W Dixie Ave | Elizabethtown, KY |
| HODGENVILLE BRANCH | 794 Old Elizabethtown Rd | Hodgenville, KY |
| PARKWAY PLAZA BRANCH | 106 Lincoln Dr | Hodgenville, KY |
| ROSWELL LPO | 695 Mansell Rd | Roswell, GA |
| EASTPOINT PARKWAY - LOUISVILLE LPO | 3022 Eastpoint Pkwy | Louisville, KY |
| CHAGRIN FALLS LPO BRANCH | 7160 Chagrin Rd | Chagrin Falls, OH |
| FISHERS LPO BRANCH | 8700 North St | Fishers, IN |
| HOLLYWOOD LPO BRANCH | 6100 Hollywood Blvd Ste 411 | Hollywood, FL |
Showing 7 of 15
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/04/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 42701 |
| State and County Number | 21093 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Elizabethtown-Fort Knox, KY |
Operational Info
| Number of Employees | 342 |
| Domestic Offices | 16 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/01/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.magnoliabank.com |
| Data Updated | 11/14/2025 |
| CERT | 8120 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $502.72M |
| Total Deposits | $425.24M |
| Total Liabilities | $451.91M |
| Total Equity Capital | $50.81M |
| Net Income | $1.81M |
| Net Loans and Leases | $423.48M |
| Assets Per Employee ($Millions) | $1.52M |
| Bank Premises and Fixed Assets | $7.52M |
| Cash and Balances due from Depository Institutions | $3.44M |
| Deposits Held in Domestic Offices | $425.24M |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 14.6% |
| Net Interest Margin | 3.55% |
| Efficiency Ratio | 85.2% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.5% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.106% |
| Earning Assets to total Assets | 95.11% |
Income and Expense
| Total Interest Income | $7.37M |
| Total Noninterest Income | $13.52M |
| Total Interest Expense | $3.12M |
| Total Noninterest Expense | $15.14M |
| Net Interest Income | $4.25M |
| Pre-tax Net Operating Income | $2.00M |
| Provision for Credit Losses | $635.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.75M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.67M |
| Total Liabilities and Capital | $502.72M |
Securities
| Securities | $49.01M |
| Available-for-sale debt securities | $49.01M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Magnolia Bank, Incorporated?
$502.72M as of the latest filing.
How much are Magnolia Bank, Incorporated's total deposits?
$425.24M in total deposits.
Where is Magnolia Bank, Incorporated located?
Elizabethtown, KY.
What is the Net Interest Margin?
3.55%.
How many domestic offices does it operate?
16.
When was it established?
11/04/1919.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$423.48M (latest filing).
What is the total interest income (latest filing)?
$7.37M.