Magnolia State Bank

Summary

Headline KPIs

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

• ×

  Critical· Peer Outlier Alert

  Efficiency Ratio QoQ change is 6.0σ from peer-group average

  Moved from 104.24% to 176.07%; peers averaged a -2.48% change.
• ×

  Critical· Peer Outlier Alert

  Pre-tax NOI / Avg Assets QoQ change is -4.7σ from peer-group average

  Moved from -0.17% to -3.69%; peers averaged a 0.21% change.
• ×

  Critical· Peer Outlier Alert

  Return on Assets QoQ change is -5.7σ from peer-group average

  Moved from -0.17% to -3.69%; peers averaged a 0.17% change.
• ×

  Critical· Peer Outlier Alert

  Return on Equity QoQ change is -6.6σ from peer-group average

  Moved from -1.66% to -36.80%; peers averaged a 1.22% change.
• !

  Warning· Cliff Drop Alert

  Net Charge-Offs / Avg Loans dropped 24 percentile points vs prior quarter

  Now ranks at the 11th percentile of peers (was 34th).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Methodology

Health Score (0-100)

Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.

Peer group

Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.

Cliff Drop Alert

Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.

Peer Outlier Alert

Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.

Threshold Crossing Alert

Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.

Source

FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 03:50:16 UTC