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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