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Marion State Bank

Marion, TX · Cert 15355 · Marion Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$142.0MAssets
$59.1MLoans
$124.0MDeposits
$17.0MEquity
Loan mix
58%RE $30.8M29%C&I $15.3M14%Consumer $7.2MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $89.0M28%Noninterest $35.0MQ2 2025Q2 2026

NIM

4.52%Q2 ’244.80%Q2 ’254.48%Q2 ’26+7%-7%

Non-interest income vs. expense

2.08%Q2 ’242.14%Q2 ’252.01%Q2 ’26+2%-7%

Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.1% share · #37 of 66 inst. · $0.1B of $175.0B

Executive Summary

  • Earnings: ROA of 1.19%, up 1 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 1.87% of loans (+173 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 14.65%, down 12 bps from a year ago.
  • Funding: loans stand at 47.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.19%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.24%-24 bps YoY

Efficiency Ratio (quarter, annualized)

55.32%+20 bps YoY

Tier 1 Leverage Ratio

14.65%-12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.23%1.53%1.18%1.19%+1 bps
Return on Equity11.80%11.91%13.86%10.19%10.10%-169 bps
Net Interest Margin3.48%3.32%3.37%3.22%3.24%-24 bps
Efficiency Ratio55.12%57.94%50.52%58.06%55.32%+20 bps
Non-Interest Burden1.73%1.76%1.51%1.69%1.61%-12 bps
Growth
Asset Growth (YoY)1.37%9.17%9.50%8.06%1.16%-21 bps
Loan Growth (YoY)5.85%0.14%0.76%-4.83%-6.33%-1,218 bps
Deposit Growth (YoY)0.11%8.89%7.01%6.27%-1.23%-134 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.04%0.31%0.11%1.87%+173 bps
Net Charge-Offs / Loans0.27%0.22%-0.02%0.45%0.09%-18 bps
Allowance / Loans0.57%0.56%0.57%0.54%0.59%+2 bps
Allowance Coverage of NPLs4.1x13.8x1.9x4.9x0.3x-3.8x
Capital
Tier 1 Leverage Ratio14.78%13.78%13.73%14.28%14.65%-12 bps
Total Risk-Based Capital14.78%13.78%13.73%14.28%14.65%-12 bps
Equity / Assets9.89%10.69%11.41%11.69%11.96%+207 bps
Liquidity & Funding
Loans / Deposits50.23%46.40%47.23%44.89%47.63%-259 bps
Liquid Assets / Assets10.02%13.79%10.13%12.64%9.04%-99 bps
CRE / Total Capitaln/a127.90%123.14%110.75%n/an/a