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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 1.24%, 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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.73%1.06%1.16%1.13%0.99%1.49%1.24%+8 bps
Return on Equity5.08%4.92%7.18%7.70%7.32%6.38%9.73%8.18%+48 bps
Net Interest Margin3.32%3.25%3.21%3.32%3.55%3.63%3.98%3.87%+55 bps
Efficiency Ratio70.22%70.75%59.68%60.61%60.77%66.13%63.50%63.85%+324 bps
Non-Interest Burden2.23%2.16%1.83%1.93%2.06%2.29%2.41%2.37%+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%-0.03%-0.02%-0.01%0.00%0.00%+3 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