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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

4.80%Q2 ’244.95%Q2 ’255.41%Q2 ’26+14%+22%

Non-interest income vs. expense

2.75%Q2 ’242.85%Q2 ’253.16%Q2 ’26+0%+12%

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 0.88%, up 367 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 2.30% of loans (+92 bps YoY), with net charge-offs at 0.04%.
  • 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 (quarter, annualized)

0.88%+367 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+69 bps YoY

Efficiency Ratio (quarter, annualized)

71.10%-567 bps YoY

Tier 1 Leverage Ratio

9.83%+82 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.80%0.96%0.44%0.86%0.88%+367 bps
Return on Equity-50.71%17.34%7.10%13.18%13.39%+6,409 bps
Net Interest Margin3.15%3.56%3.63%3.84%3.85%+69 bps
Efficiency Ratio76.78%68.49%69.75%69.18%71.10%-567 bps
Non-Interest Burden2.29%2.27%2.37%2.47%2.57%+27 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 / Loans7.60%-0.06%0.01%-0.10%0.04%-756 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