🏦Bank Scorer

This institution is no longer active

Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.

MAGNOLIA STATE BANK

BAY SPRINGS, MS · Supervised by FDIC

Est. 1975FDIC #22,081RSSD: FDIC-22081
Part ofMAGNOLIA STATE CORP THE→ View all charters
Satisfactory Same

Current rating · Exam: October 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -1.95%

Institution Profile

FDIC BankFind

Address

28 Highway 528, BAY SPRINGS, MS

County

Jasper County

Established

August 4, 1975

Total Assets

$466M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2022

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2026(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$466M

Total Deposits

$415M

Net Loans

$355M

Net Income

$-4,560K

ROA

-1.95%

ROE

-19.07%

Risk-Based Capital

15.01%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.71%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$415M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202427688.41%4.71%
202326992.19%2.23%
202233791.69%2.08%
202133290.66%3.61%
202031191.64%2.89%
201918790.37%3.21%
201820096%0.50%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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