Marion, KY · Cert 16603 · Peoples-Marion Bcorp Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | -0.53% | 0.52% | 0.83% | 0.98% | 0.53% | 0.59% | 1.14% | +32 bps | |
| Return on Equity | 9.81% | -5.02% | 5.02% | 8.12% | 9.20% | 4.75% | 5.31% | 10.23% | +211 bps | |
| Net Interest Margin | 3.64% | 3.63% | 3.66% | 3.73% | 3.74% | 3.78% | 3.69% | 3.87% | +14 bps | |
| Efficiency Ratio | 66.87% | 74.87% | 77.51% | 69.12% | 69.69% | 79.09% | 77.65% | 68.93% | -19 bps | |
| Non-Interest Burden | 2.17% | 2.62% | 2.76% | 2.45% | 2.43% | 2.90% | 2.77% | 2.51% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.11% | -0.55% | 8.50% | 8.50% | -2.77% | 3.48% | -1.17% | -2.29% | -1,079 bps | |
| Loan Growth (YoY) | -7.02% | -2.49% | -3.73% | -0.61% | 0.22% | 1.18% | 0.54% | 7.44% | +805 bps | |
| Deposit Growth (YoY) | -0.61% | -0.75% | 9.52% | 9.38% | -3.13% | 3.23% | -2.01% | -3.45% | -1,283 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.71% | 2.19% | 0.33% | 0.33% | 0.33% | 0.32% | 0.22% | 0.23% | -10 bps | |
| Net Charge-Offs / Loans | 0.04% | 1.77% | -0.14% | -0.05% | 0.66% | 0.00% | 0.24% | 0.01% | +7 bps | |
| Allowance / Loans | 1.44% | 1.43% | 1.54% | 1.66% | 1.55% | 1.55% | 1.53% | 1.50% | -16 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.7x | 4.7x | 5.0x | 4.7x | 4.9x | 7.1x | 6.4x | +1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.97% | 10.79% | 10.60% | 10.55% | 11.02% | 11.43% | 11.27% | 11.55% | +101 bps | |
| Total Risk-Based Capital | 10.97% | 10.79% | 10.60% | 10.55% | 11.02% | 11.43% | 11.27% | 11.55% | +101 bps | |
| Equity / Assets | 10.62% | 10.65% | 10.18% | 10.23% | 11.17% | 11.09% | 11.06% | 11.32% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.71% | 90.88% | 86.19% | 83.47% | 89.71% | 89.07% | 88.44% | 92.88% | +941 bps | |
| Liquid Assets / Assets | 0.92% | 0.50% | 0.78% | 2.98% | 1.38% | 1.43% | 1.75% | 0.83% | -215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 297% | 297% | 297% | n/a | n/a | |