Magnolia State Bank
Eastman, GA
IDRSSD: 204237
Total Assets
$197.89M
Latest filing
Total Deposits
$167.34M
Latest filing
Net Interest Margin
6.24%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061202533EASTMAN, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Magnolia State Bank
130 Oak St
Eastman, GA 31023
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/02/1919FDIC Certificate 559
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Magnolia State Bank (Main) | 130 Oak St | Eastman, GA |
| MAGNOLIA STATE BANK -GRAY BRANCH | 271 W Clinton St | Gray, GA |
| 2451 NORTH COLUMBIA STREET BRANCH | 2451 N Columbia St | Milledgeville, GA |
| MAGNOLIA STATE BRANCH | 100 E Greene St | Milledgeville, GA |
| ATHENS BRANCH | 2500 Daniells Bridge Road | Athens, GA |
Showing 4 of 4
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 | 01/02/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 31023 |
| State and County Number | 13091 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.bankmsb.com |
| Data Updated | 01/30/2026 |
| CERT | 877 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $197.89M |
| Total Deposits | $167.34M |
| Total Liabilities | $168.48M |
| Total Equity Capital | $29.41M |
| Net Income | $1.49M |
| Net Loans and Leases | $109.03M |
| Assets Per Employee ($Millions) | $4.12M |
| Bank Premises and Fixed Assets | $1.74M |
| Cash and Balances due from Depository Institutions | $33.77M |
| Deposits Held in Domestic Offices | $167.34M |
Key Performance Ratios
| Return on Assets (ROA) | 3.02% |
| Return on Equity (ROE) | 19.48% |
| Net Interest Margin | 6.24% |
| Efficiency Ratio | 56.13% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.859% |
| Earning Assets to total Assets | 90.49% |
Income and Expense
| Total Interest Income | $2.97M |
| Total Noninterest Income | $587.00k |
| Total Interest Expense | $180.00k |
| Total Noninterest Expense | $1.90M |
| Net Interest Income | $2.79M |
| Pre-tax Net Operating Income | $1.48M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $104.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.15M |
| Total Liabilities and Capital | $197.89M |
Securities
| Securities | $51.37M |
| Available-for-sale debt securities | $51.37M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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 State Bank?
$197.89M as of the latest filing.
How much are Magnolia State Bank's total deposits?
$167.34M in total deposits.
Where is Magnolia State Bank located?
Eastman, GA.
What is the Net Interest Margin?
6.24%.
How many domestic offices does it operate?
5.
When was it established?
01/02/1919.
What is the Return on Assets (ROA)?
3.02%.
How much are total loans and leases?
$109.03M (latest filing).
What is the total interest income (latest filing)?
$2.97M.