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Marion Center Bank

Indiana, PA · Cert 7909 · Community Bankers Corp.

State charter, non-member · FDIC · 7 branches

Q2 2026

$425.2MAssets
$319.8MLoans
$385.5MDeposits
$26.7MEquity
Loan mix
82%RE $244.5M15%C&I $46.3M3%Consumer $9.2MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $308.9M20%Noninterest $76.6MQ3 2024Q2 2026

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #43 of 48 inst. · $0.0B of $209.3B

7.3% Indiana
7.7% Jefferson
2.2% Armstrong
0.9% Cambria

Executive Summary

  • Earnings: ROA of 0.80%, up 20 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 1.01% of loans (+39 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 7.91%, up 64 bps from a year ago.
  • Funding: loans stand at 82.95% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.80%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+34 bps YoY

Efficiency Ratio (YTD, annualized)

70.17%-561 bps YoY

Tier 1 Leverage Ratio

7.91%+64 bps YoY

NIM

4.33%Q2 ’244.50%Q2 ’254.68%Q2 ’26+16%+13%

Non-interest income vs. expense

2.47%Q2 ’242.29%Q2 ’252.37%Q2 ’26-9%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.43%0.48%0.60%0.53%0.62%0.84%0.80%+20 bps
Return on Equity7.39%9.24%9.68%11.69%9.97%11.38%13.75%12.93%+124 bps
Net Interest Margin2.44%2.57%2.66%2.73%2.82%2.91%3.07%3.07%+34 bps
Efficiency Ratio89.39%85.42%79.08%75.77%77.24%75.70%70.79%70.17%-561 bps
Non-Interest Burden2.15%2.15%2.04%1.99%2.11%2.12%2.09%2.06%+7 bps
Growth
Asset Growth (YoY)5.85%2.13%3.26%1.65%1.43%1.82%-1.23%0.22%-143 bps
Loan Growth (YoY)3.01%0.66%1.81%3.60%2.06%2.26%1.12%1.89%-171 bps
Deposit Growth (YoY)2.47%0.88%4.74%4.50%4.00%4.94%0.70%0.62%-388 bps
Asset Quality
Nonperforming Loans / Loans1.00%0.68%0.64%0.62%0.88%0.67%1.35%1.01%+39 bps
Net Charge-Offs / Loans-0.03%-0.01%0.02%0.01%0.01%0.01%0.00%0.13%+12 bps
Allowance / Loans0.92%0.91%0.92%0.91%1.01%0.98%0.98%0.95%+4 bps
Allowance Coverage of NPLs0.9x1.3x1.4x1.5x1.1x1.5x0.7x0.9x-0.5x
Capital
Tier 1 Leverage Ratio6.92%7.21%7.22%7.27%7.37%7.61%7.79%7.91%+64 bps
Total Risk-Based Capital11.69%11.99%12.03%12.10%12.52%12.88%13.15%13.11%+101 bps
Equity / Assets5.16%4.88%5.05%5.38%5.82%6.13%6.16%6.27%+90 bps
Liquidity & Funding
Loans / Deposits83.00%83.69%80.36%81.91%81.45%81.55%80.70%82.95%+104 bps
Liquid Assets / Assets2.21%2.35%4.87%2.63%3.23%2.22%3.12%2.05%-59 bps
CRE / Total Capitaln/an/an/an/a321%316%302%n/an/a