Marion, TX · Cert 15355 · Marion Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.1% share · #37 of 66 inst. · $0.1B of $175.0B
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 | 1.10% | 1.15% | 0.97% | 1.08% | 1.12% | 1.24% | 1.18% | 1.19% | +11 bps | |
| Return on Equity | 11.88% | 12.31% | 9.87% | 10.94% | 11.18% | 11.98% | 10.19% | 10.18% | -76 bps | |
| Net Interest Margin | 3.37% | 3.39% | 3.27% | 3.34% | 3.15% | 3.16% | 3.22% | 3.26% | -7 bps | |
| Efficiency Ratio | 59.69% | 58.44% | 64.99% | 59.90% | 59.22% | 56.90% | 58.06% | 56.71% | -319 bps | |
| Non-Interest Burden | 1.84% | 1.81% | 1.97% | 1.83% | 1.71% | 1.63% | 1.69% | 1.67% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | -3.49% | 2.46% | 1.37% | 9.17% | 9.50% | 8.06% | 1.16% | -21 bps | |
| Loan Growth (YoY) | 2.23% | 3.32% | 2.35% | 5.85% | 0.14% | 0.76% | -4.83% | -6.33% | -1,218 bps | |
| Deposit Growth (YoY) | -6.34% | -4.35% | 1.15% | 0.11% | 8.89% | 7.01% | 6.27% | -1.23% | -134 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.51% | 0.29% | 0.28% | 0.14% | 0.04% | 0.31% | 0.11% | 1.87% | +173 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.04% | 1.11% | 0.67% | 0.53% | 0.40% | 0.45% | 0.27% | -40 bps | |
| Allowance / Loans | 0.76% | 0.80% | 0.55% | 0.57% | 0.56% | 0.57% | 0.54% | 0.59% | +2 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.8x | 2.0x | 4.1x | 13.8x | 1.9x | 4.9x | 0.3x | -3.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.41% | 14.62% | 15.01% | 14.78% | 13.78% | 13.73% | 14.28% | 14.65% | -12 bps | |
| Total Risk-Based Capital | 14.41% | 14.62% | 15.01% | 14.78% | 13.78% | 13.73% | 14.28% | 14.65% | -12 bps | |
| Equity / Assets | 10.45% | 9.42% | 10.20% | 9.89% | 10.69% | 11.41% | 11.69% | 11.96% | +207 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.46% | 50.16% | 50.13% | 50.23% | 46.40% | 47.23% | 44.89% | 47.63% | -259 bps | |
| Liquid Assets / Assets | 9.25% | 9.79% | 10.59% | 10.02% | 13.79% | 10.13% | 12.64% | 9.04% | -99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 127.90% | 123.14% | 110.75% | n/a | n/a | |