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Marion National Bank, The

Marion, KS · Cert 4728 · Marion Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=98). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

31

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Marion National Bank, The

Marion, KS · Cert 4728 · Marion Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$35.4MAssets
$17.5MLoans
$29.8MDeposits
$5.3MEquity
Loan mix
67%RE $8.4M21%C&I $2.6M12%Consumer $1.5MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $21.9M26%Noninterest $7.9MQ2 2025Q2 2026

NIM

4.02%Q2 ’244.13%Q2 ’254.55%Q2 ’26+5%+17%

Non-interest income vs. expense

2.20%Q2 ’241.98%Q2 ’252.45%Q2 ’26-11%+23%

Executive Summary

  • Earnings: ROA of 1.24%, up 8 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 0.29% of loans (+29 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.99%, down 22 bps from a year ago.
  • Funding: loans stand at 58.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+8 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+55 bps YoY

Efficiency Ratio (YTD, annualized)

63.85%+324 bps YoY

Tier 1 Leverage Ratio

12.99%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.13%0.99%1.49%1.24%+8 bps
Return on Equity7.70%7.32%6.38%9.73%8.18%+48 bps
Net Interest Margin3.32%3.55%3.63%3.98%3.87%+55 bps
Efficiency Ratio60.61%60.77%66.13%63.50%63.85%+324 bps
Non-Interest Burden1.93%2.06%2.29%2.41%2.37%+45 bps
Growth
Asset Growth (YoY)7.54%9.87%11.75%5.00%15.07%+753 bps
Loan Growth (YoY)17.95%32.37%38.25%31.25%38.27%+2,031 bps
Deposit Growth (YoY)6.77%10.10%11.99%4.33%16.45%+968 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.29%+29 bps
Net Charge-Offs / Loans-0.03%-0.02%-0.01%0.00%0.00%+3 bps
Allowance / Loans1.47%1.39%1.28%1.31%1.26%-21 bps
Allowance Coverage of NPLsn/an/an/an/a4.4xn/an/a
Capital
Tier 1 Leverage Ratio13.21%14.00%13.98%13.62%12.99%-22 bps
Total Risk-Based Capital13.21%14.00%13.98%13.62%12.99%-22 bps
Equity / Assets15.80%16.23%15.59%15.02%15.06%-73 bps
Liquidity & Funding
Loans / Deposits49.45%55.18%57.18%52.64%58.72%+927 bps
Liquid Assets / Assets1.37%2.13%2.09%0.52%0.53%-84 bps
CRE / Total Capitaln/a12.35%16.64%12.48%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Marion National Bank, The

Marion, KS · Cert 4728 · Peer group: banks under $1B in assets in KS (n=98) · Marion Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$35.4MAssets
$17.5MLoans
$29.8MDeposits
$5.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in KS (rank 36 of 98).
  • Widest gap: return on equity trails 81% of banks under $1B in assets in KS (rank 79 of 98).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.21%

Rank 51 of 98

Net Interest Margin

3.87%

Rank 30 of 98

Efficiency Ratio

63.85%

Rank 69 of 98

Equity / Assets

15.06%

Rank 16 of 98

Non-interest income vs. expense

$26K$862KINCOMEEXPENSE
Unfavorable gap of $836K · efficiency ratio beats 31% of banks under $1B in assets in KS
Bank 63.85%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%1.03%1.24%1.54%Beats 48%51 / 98
Return on Equity8.02%8.85%11.58%14.73%Beats 19%79 / 98
Net Interest Margin3.87%3.24%3.62%3.91%Beats 69%30 / 98
Efficiency Ratio63.85%51.87%58.88%64.74%Beats 31%69 / 98
Asset Quality
Nonperforming Loans / Loans0.29%0.01%0.33%1.05%Beats 54%46 / 98
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 100%36 / 98
Capital
Tier 1 Capital Ratio12.99%11.81%13.71%17.33%Beats 43%56 / 98
Total Risk-Based Capital Ratio12.99%11.81%14.13%17.45%Beats 37%62 / 98
Equity / Assets15.06%8.60%11.34%13.10%Beats 84%16 / 98
Liquidity & Funding
Loans / Deposits58.72%57.09%69.84%82.47%29th pctl70 / 98
Loans / Assets49.34%49.34%58.31%68.94%24th pctl74 / 98
Brokered Deposits / Depositsn/aNot reported for this institution