| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.9% | -7.0 pts |
| Deposit growth (YoY) | -0.7% | +4.3% | -5.0 pts |
| Loan growth (YoY) | +3.5% | +5.3% | -1.9 pts |
| ROA | 1.84% | 1.28% | +0.6 pts |
| ROE | 18.7% | 12.4% | +6.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $628.6M | $546.6M | $484.8M | $64.2M | $5.8M | 1.84% | 3.82% | 0.27% |
| Q1 2026 | $620.3M | $536.4M | $486.5M | $61.3M | $2.7M | 1.69% | 3.74% | 0.28% |
| Q4 2025 | $648.5M | $553.3M | $488.4M | $61.1M | $9.2M | 1.42% | 3.38% | 0.19% |
| Q3 2025 | $660.3M | $524.4M | $481.8M | $60.4M | $6.3M | 1.30% | 3.34% | 1.12% |
| Q2 2025 | $641.9M | $550.2M | $468.5M | $56.4M | $4.1M | 1.29% | 3.31% | 1.05% |
| Q1 2025 | $634.4M | $542.3M | $467.3M | $54.8M | $1.9M | 1.19% | 3.22% | 1.03% |
| Q4 2024 | $652.9M | $558.5M | $471.2M | $52.7M | $6.5M | 0.99% | 2.99% | 0.98% |
| Q3 2024 | $663.1M | $560.2M | $469.6M | $56.5M | $4.8M | 0.96% | 2.95% | 0.61% |
Loan mix (Q2 2026): real estate $377.1M · commercial $46.7M · consumer $5.9M · securities $105.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Marion County State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.28% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 18.7% | 12.4% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.8% | 61.2% | 16th |
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 County State 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 County State 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 County State 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 County State 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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