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
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% | 491 / 746 | |
| Return on Equity | 13.05% | 6.74% | 10.51% | 13.63% | Beats 70% | 225 / 746 | |
| Net Interest Margin | 3.83% | 3.17% | 3.68% | 4.16% | Beats 58% | 317 / 746 | |
| Efficiency Ratio | 70.15% | 55.74% | 64.58% | 75.47% | Beats 37% | 472 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.30% | 0.09% | 0.42% | 1.07% | Beats 10% | 673 / 743 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 31% | 512 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.83% | 11.55% | 13.75% | 17.60% | Beats 5% | 706 / 746 | |
| Total Risk-Based Capital Ratio | 9.83% | 11.71% | 14.33% | 18.43% | Beats 5% | 708 / 746 | |
| Equity / Assets | 6.46% | 8.90% | 10.51% | 13.06% | Beats 4% | 719 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 72.08% | 61.31% | 78.27% | 90.78% | 38th pctl | 459 / 746 | |
| Loans / Assets | 64.56% | 53.60% | 66.97% | 76.08% | 44th pctl | 417 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |