| Metric | The Bank of Marion | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Deposit growth (YoY) | +1.6% | +4.3% | -2.7 pts |
| Loan growth (YoY) | +10.1% | +5.3% | +4.7 pts |
| ROA | 1.43% | 1.28% | +0.2 pts |
| ROE | 15.9% | 12.4% | +3.4 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $634.1M | $535.9M | $435.5M | $58.5M | $4.4M | 1.43% | 4.31% | 0.82% |
| Q1 2026 | $614.1M | $550.0M | $420.0M | $55.4M | $2.0M | 1.31% | 4.30% | 1.02% |
| Q4 2025 | $613.9M | $547.8M | $414.1M | $54.2M | $7.6M | 1.27% | 4.09% | 1.22% |
| Q3 2025 | $595.6M | $526.0M | $403.7M | $52.0M | $5.5M | 1.25% | 4.04% | 0.92% |
| Q2 2025 | $592.0M | $527.6M | $395.6M | $47.2M | $3.7M | 1.25% | 4.06% | 0.96% |
| Q1 2025 | $593.1M | $541.2M | $392.3M | $47.9M | $1.8M | 1.26% | 4.00% | 0.55% |
| Q4 2024 | $580.9M | $531.7M | $392.0M | $45.6M | $6.2M | 1.09% | 3.88% | 0.56% |
| Q3 2024 | $579.9M | $507.1M | $385.5M | $47.9M | $4.3M | 1.00% | 3.83% | 0.57% |
Loan mix (Q2 2026): real estate $410.5M · commercial $9.7M · consumer $12.8M · securities $138.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Marion | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.28% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 12.4% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 61.2% | 57th |
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 | The Bank of Marion | 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 | The Bank of Marion | 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 | The Bank of Marion | 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 | The Bank of Marion | 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.