Marion, AL · Cert 14184 · Marion Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 0.2% share · #35 of 49 inst. · $0.1B of $53.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.47% | 0.55% | -1.06% | -0.29% | -0.06% | 0.86% | 0.86% | +192 bps | |
| Return on Equity | 7.45% | 8.61% | 9.83% | -19.57% | -5.27% | -1.11% | 13.18% | 13.31% | +3,288 bps | |
| Net Interest Margin | 2.63% | 2.60% | 3.08% | 3.11% | 3.23% | 3.31% | 3.84% | 3.83% | +72 bps | |
| Efficiency Ratio | 84.28% | 82.32% | 81.59% | 79.16% | 75.31% | 73.81% | 69.18% | 70.15% | -901 bps | |
| Non-Interest Burden | 2.15% | 2.05% | 2.41% | 2.35% | 2.30% | 2.31% | 2.47% | 2.51% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.47% | 7.73% | 7.40% | 3.41% | 0.72% | 1.40% | 3.17% | 6.16% | +275 bps | |
| Loan Growth (YoY) | 8.32% | 10.46% | 10.86% | 7.09% | 13.96% | 13.38% | 10.43% | 14.35% | +725 bps | |
| Deposit Growth (YoY) | 6.00% | 5.41% | 4.27% | 1.32% | -1.19% | 0.26% | 2.35% | 2.78% | +146 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.68% | 1.57% | 1.52% | 1.38% | 1.29% | 1.17% | 1.14% | 2.30% | +92 bps | |
| Net Charge-Offs / Loans | -0.52% | -0.36% | -0.01% | 3.79% | 2.32% | 1.75% | -0.10% | -0.03% | -382 bps | |
| Allowance / Loans | 1.86% | 1.83% | 1.78% | 1.16% | 1.13% | 1.26% | 1.39% | 1.36% | +21 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.2x | 1.2x | 0.8x | 0.9x | 1.1x | 1.2x | 0.6x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.60% | 9.36% | 9.70% | 9.01% | 9.12% | 9.18% | 9.72% | 9.83% | +82 bps | |
| Total Risk-Based Capital | 9.60% | 9.36% | 9.70% | 9.01% | 9.12% | 9.18% | 9.72% | 9.83% | +82 bps | |
| Equity / Assets | 6.17% | 5.22% | 5.89% | 5.15% | 5.97% | 6.38% | 6.63% | 6.46% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.49% | 61.28% | 64.52% | 64.79% | 69.76% | 69.30% | 69.61% | 72.08% | +729 bps | |
| Liquid Assets / Assets | 5.97% | 8.01% | 4.66% | 9.61% | 1.97% | 5.40% | 5.55% | 4.34% | -527 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 362% | 352% | 363% | n/a | n/a | |