| Metric | Marion Center Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | +0.6% | +4.0% | -3.3 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.7 pts |
| ROA | 0.80% | 1.24% | -0.4 pts |
| ROE | 12.9% | 11.9% | +1.1 pts |
ROA ranks in the 25th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $425.2M | $385.5M | $316.7M | $26.7M | $1.7M | 0.80% | 3.35% | 0.76% |
| Q1 2026 | $421.7M | $384.8M | $307.4M | $26.0M | $886K | 0.84% | 3.34% | 0.99% |
| Q4 2025 | $417.4M | $380.0M | $306.9M | $25.6M | $2.6M | 0.62% | 3.16% | 0.51% |
| Q3 2025 | $420.9M | $381.7M | $307.7M | $24.5M | $1.7M | 0.53% | 3.08% | 0.66% |
| Q2 2025 | $424.2M | $383.1M | $311.0M | $22.8M | $1.3M | 0.60% | 3.00% | 0.46% |
| Q1 2025 | $426.9M | $382.1M | $304.2M | $21.6M | $503K | 0.48% | 2.88% | 0.46% |
| Q4 2024 | $409.9M | $362.1M | $300.3M | $20.0M | $1.8M | 0.43% | 2.81% | 0.50% |
| Q3 2024 | $415.0M | $367.0M | $301.8M | $21.4M | $1.0M | 0.34% | 2.72% | 0.73% |
Loan mix (Q2 2026): real estate $251.7M · commercial $48.5M · consumer $9.0M · securities $78.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Marion Center Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 1.24% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 62.9% | 69th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Marion Center Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Marion Center Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Marion Center Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Marion Center Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.