Marion State Bank
Marion, TX · Cert 15355 · Peer group: banks under $1B in assets in TX (n=208-211) · Marion Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$142.0MAssets
$59.1MLoans
$124.0MDeposits
$17.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets in TX (rank 69 of 211).
- Widest gap: net charge-offs / loans trails 85% of banks under $1B in assets in TX (rank 178 of 208).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.22%
Rank 102 of 211
Net Interest Margin
3.26%
Rank 160 of 211
Efficiency Ratio
56.71%
Rank 69 of 211
Equity / Assets
11.96%
Rank 81 of 211
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 68% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.87% | 1.20% | 1.65% | Beats 52% | 102 / 211 | | |
| Return on Equity | 10.18% | 7.52% | 11.67% | 14.58% | Beats 42% | 123 / 211 | | |
| Net Interest Margin | 3.26% | 3.28% | 3.82% | 4.31% | Beats 24% | 160 / 211 | | |
| Efficiency Ratio | 56.71% | 53.01% | 64.18% | 73.65% | Beats 68% | 69 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.87% | 0.01% | 0.30% | 1.10% | Beats 17% | 174 / 208 | | |
| Net Charge-Offs / Loans | 0.14% | 0.00% | 0.01% | 0.06% | Beats 15% | 178 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 14.65% | 11.72% | 14.45% | 19.57% | Beats 53% | 99 / 211 | | |
| Total Risk-Based Capital Ratio | 14.65% | 11.94% | 14.78% | 20.30% | Beats 49% | 108 / 211 | | |
| Equity / Assets | 11.96% | 9.41% | 11.06% | 12.94% | Beats 62% | 81 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 47.63% | 45.39% | 66.56% | 82.03% | 27th pctl | 152 / 208 | | |
| Loans / Assets | 41.59% | 39.13% | 56.90% | 70.46% | 27th pctl | 154 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |