| Metric | Marion Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +14.1% | +5.6% | +8.5 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 16.4% | 11.9% | +4.5 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $364.2M | $326.2M | $231.9M | $23.5M | $1.9M | 1.06% | 4.18% | 1.50% |
| Q1 2026 | $351.1M | $319.6M | $219.4M | $23.3M | $932K | 1.06% | 4.19% | 0.74% |
| Q4 2025 | $350.2M | $319.6M | $218.7M | $22.3M | $-219K | -0.06% | 3.80% | 0.77% |
| Q3 2025 | $348.4M | $319.3M | $220.2M | $20.8M | $-757K | -0.29% | 3.69% | 0.85% |
| Q2 2025 | $343.1M | $317.4M | $203.3M | $17.7M | $-1.8M | -1.06% | 3.51% | 0.85% |
| Q1 2025 | $340.4M | $312.3M | $197.9M | $20.0M | $573K | 0.67% | 3.48% | 0.91% |
| Q4 2024 | $345.4M | $318.8M | $191.8M | $18.0M | $1.9M | 0.58% | 3.11% | 0.90% |
| Q3 2024 | $345.9M | $323.1M | $191.8M | $21.3M | $1.2M | 0.50% | 3.08% | 0.96% |
Loan mix (Q2 2026): real estate $179.2M · commercial $39.1M · consumer $10.0M · securities $80.3M
| Ratio | Marion Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 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 Community 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 Community 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 Community 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 Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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