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Marion Community Bank

Marion, AL · Cert 14184 · Marion Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

5

Q2 2024Q2 2026peer median (50)

Asset Quality

21

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

81

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Marion Community Bank

Marion, AL · Cert 14184 · Marion Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$364.2MAssets
$235.1MLoans
$326.2MDeposits
$23.5MEquity
Loan mix
80%RE $174.5M15%C&I $33.4M4%Consumer $9.6MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $235.3M28%Noninterest $90.9MQ2 2025Q2 2026

NIM

4.69%Q2 ’244.96%Q2 ’255.36%Q2 ’26+15%+23%

Non-interest income vs. expense

2.69%Q2 ’242.90%Q2 ’253.10%Q2 ’26+4%+7%

Market Position · Birmingham, AL · 2026 SOD (annual) · 0.2% share · #35 of 49 inst. · $0.1B of $53.8B

19.6% Dallas
79.4% Perry
12.4% Chilton
0.2% Montgomery

Executive Summary

  • Earnings: ROA of 0.86%, up 192 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 2.30% of loans (+92 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.83%, up 82 bps from a year ago.
  • Funding: loans stand at 72.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%+192 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+72 bps YoY

Efficiency Ratio (YTD, annualized)

70.15%-901 bps YoY

Tier 1 Leverage Ratio

9.83%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.06%-0.29%-0.06%0.86%0.86%+192 bps
Return on Equity-19.57%-5.27%-1.11%13.18%13.31%+3,288 bps
Net Interest Margin3.11%3.23%3.31%3.84%3.83%+72 bps
Efficiency Ratio79.16%75.31%73.81%69.18%70.15%-901 bps
Non-Interest Burden2.35%2.30%2.31%2.47%2.51%+16 bps
Growth
Asset Growth (YoY)3.41%0.72%1.40%3.17%6.16%+275 bps
Loan Growth (YoY)7.09%13.96%13.38%10.43%14.35%+725 bps
Deposit Growth (YoY)1.32%-1.19%0.26%2.35%2.78%+146 bps
Asset Quality
Nonperforming Loans / Loans1.38%1.29%1.17%1.14%2.30%+92 bps
Net Charge-Offs / Loans3.79%2.32%1.75%-0.10%-0.03%-382 bps
Allowance / Loans1.16%1.13%1.26%1.39%1.36%+21 bps
Allowance Coverage of NPLs0.8x0.9x1.1x1.2x0.6x-0.2x
Capital
Tier 1 Leverage Ratio9.01%9.12%9.18%9.72%9.83%+82 bps
Total Risk-Based Capital9.01%9.12%9.18%9.72%9.83%+82 bps
Equity / Assets5.15%5.97%6.38%6.63%6.46%+130 bps
Liquidity & Funding
Loans / Deposits64.79%69.76%69.30%69.61%72.08%+729 bps
Liquid Assets / Assets9.61%1.97%5.40%5.55%4.34%-527 bps
CRE / Total Capitaln/a362%352%363%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Marion Community Bank

Marion, AL · Cert 14184 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Marion Bancshares Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$364.2MAssets
$235.1MLoans
$326.2MDeposits
$23.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 70% of banks under $1B in assets operating in a single state (rank 225 of 746).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets operating in a single state (rank 719 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.84%

Rank 491 of 746

Net Interest Margin

3.83%

Rank 317 of 746

Efficiency Ratio

70.15%

Rank 472 of 746

Equity / Assets

6.46%

Rank 719 of 746

Non-interest income vs. expense

$2.1M$10.9MINCOMEEXPENSE
Unfavorable gap of $8.9M · efficiency ratio beats 37% of banks under $1B in assets operating in a single state
Bank 70.15%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.72%1.06%1.45%Beats 34%491 / 746
Return on Equity13.05%6.74%10.51%13.63%Beats 70%225 / 746
Net Interest Margin3.83%3.17%3.68%4.16%Beats 58%317 / 746
Efficiency Ratio70.15%55.74%64.58%75.47%Beats 37%472 / 746
Asset Quality
Nonperforming Loans / Loans2.30%0.09%0.42%1.07%Beats 10%673 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 31%512 / 743
Capital
Tier 1 Capital Ratio9.83%11.55%13.75%17.60%Beats 5%706 / 746
Total Risk-Based Capital Ratio9.83%11.71%14.33%18.43%Beats 5%708 / 746
Equity / Assets6.46%8.90%10.51%13.06%Beats 4%719 / 746
Liquidity & Funding
Loans / Deposits72.08%61.31%78.27%90.78%38th pctl459 / 746
Loans / Assets64.56%53.60%66.97%76.08%44th pctl417 / 746
Brokered Deposits / Depositsn/aNot reported for this institution