Marion Community Bank
Marion, AL · Cert 14184 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 223 of 755).
- Widest gap: equity / assets trails 97% of banks under $1B in assets operating in a single state (rank 730 of 755).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.84%
Rank 500 of 755
Net Interest Margin
3.83%
Rank 320 of 755
Efficiency Ratio
70.15%
Rank 478 of 755
Equity / Assets
6.46%
Rank 730 of 755
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 37% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.72% | 1.06% | 1.45% | Beats 34% | 500 / 755 | |
| Return on Equity | 13.05% | 6.66% | 10.44% | 13.61% | Beats 70% | 223 / 755 | |
| Net Interest Margin | 3.83% | 3.15% | 3.68% | 4.17% | Beats 58% | 320 / 755 | |
| Efficiency Ratio | 70.15% | 55.75% | 64.78% | 75.61% | Beats 37% | 478 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.30% | 0.09% | 0.42% | 1.05% | Beats 9% | 684 / 751 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 32% | 508 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 9.83% | 11.56% | 13.81% | 17.74% | Beats 5% | 716 / 755 | |
| Total Risk-Based Capital Ratio | 9.83% | 11.72% | 14.46% | 18.53% | Beats 5% | 718 / 755 | |
| Equity / Assets | 6.46% | 8.93% | 10.56% | 13.13% | Beats 3% | 730 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 72.08% | 62.43% | 78.62% | 91.00% | 37th pctl | 477 / 755 | |
| Loans / Assets | 64.56% | 54.70% | 67.27% | 76.55% | 43rd pctl | 428 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |