| Metric | Marion State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | -1.2% | +4.0% | -5.2 pts |
| Loan growth (YoY) | -6.3% | +5.6% | -11.9 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 13.0% | 11.9% | +1.1 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $142.0M | $124.0M | $58.7M | $17.0M | $1.1M | 1.52% | 3.54% | 0.78% |
| Q1 2026 | $147.6M | $129.4M | $57.8M | $17.3M | $551K | 1.50% | 3.53% | 0.04% |
| Q4 2025 | $146.7M | $128.7M | $60.4M | $16.7M | $2.2M | 1.57% | 3.65% | 0.13% |
| Q3 2025 | $149.1M | $132.1M | $61.0M | $15.9M | $1.5M | 1.43% | 3.59% | 0.02% |
| Q2 2025 | $140.4M | $125.6M | $62.7M | $13.9M | $938K | 1.37% | 3.58% | 0.06% |
| Q1 2025 | $136.6M | $121.8M | $60.7M | $13.9M | $416K | 1.23% | 3.47% | 0.12% |
| Q4 2024 | $133.9M | $120.3M | $59.8M | $12.6M | $2.0M | 1.45% | 3.60% | 0.21% |
| Q3 2024 | $136.6M | $121.3M | $60.8M | $14.3M | $1.4M | 1.40% | 3.55% | 0.23% |
Loan mix (Q2 2026): real estate $32.0M · commercial $15.2M · consumer $7.6M · securities $61.8M
| Ratio | Marion State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 62.9% | 31th |
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 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 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 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 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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