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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 $1.5MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $21.9M26%Noninterest $7.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.00%, down 22 bps year over year; NIM at 4.03%.
  • 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.

Return on Assets (quarter, annualized)

1.00%-22 bps YoY

Net Interest Margin (quarter, annualized)

4.03%+58 bps YoY

Efficiency Ratio (quarter, annualized)

64.18%+270 bps YoY

Tier 1 Leverage Ratio

12.99%-22 bps YoY

NIM

4.05%Q2 ’244.23%Q2 ’254.74%Q2 ’26+7%+17%

Non-interest income vs. expense

2.18%Q2 ’242.07%Q2 ’252.54%Q2 ’26-5%+22%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.69%1.06%1.22%1.06%0.59%1.49%1.00%-22 bps
Return on Equity5.34%4.40%7.18%8.19%6.62%3.70%9.73%6.66%-153 bps
Net Interest Margin3.39%3.36%3.21%3.44%3.75%4.01%3.98%4.03%+58 bps
Efficiency Ratio68.51%72.12%59.68%61.48%61.05%79.69%63.50%64.18%+270 bps
Non-Interest Burden2.20%2.20%1.83%2.03%2.19%3.04%2.41%2.49%+45 bps
Growth
Asset Growth (YoY)-9.04%-4.43%16.09%7.54%9.87%11.75%5.00%15.07%+753 bps
Loan Growth (YoY)0.80%9.74%15.16%17.95%32.37%38.25%31.25%38.27%+2,031 bps
Deposit Growth (YoY)-13.32%-6.62%16.92%6.77%10.10%11.99%4.33%16.45%+968 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.29%+29 bps
Net Charge-Offs / Loans0.00%0.00%0.00%-0.06%0.00%0.00%0.00%0.00%+6 bps
Allowance / Loans1.47%1.56%1.50%1.47%1.39%1.28%1.31%1.26%-21 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a4.4xn/an/a
Capital
Tier 1 Leverage Ratio14.36%14.05%12.94%13.21%14.00%13.98%13.62%12.99%-22 bps
Total Risk-Based Capital14.36%14.05%12.94%13.21%14.00%13.98%13.62%12.99%-22 bps
Equity / Assets16.10%15.43%14.18%15.80%16.23%15.59%15.02%15.06%-73 bps
Liquidity & Funding
Loans / Deposits45.90%46.32%41.85%49.45%55.18%57.18%52.64%58.72%+927 bps
Liquid Assets / Assets3.12%2.27%1.26%1.37%2.13%2.09%0.52%0.53%-84 bps
CRE / Total Capitaln/an/an/an/a12.35%16.64%12.48%n/an/a