The Bank of Marion: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.88 percentage points higher than in Q1 2026, at 82.03%. The Bank of Marion ranks 33rd of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 82.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Bank of Marion reported 82.03% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $439.6M |
| Net loans and leases | $435.5M |
| Loans held for sale | $0 |
| Loans to total assets | 69.33% |
| Loan-to-deposit ratio | 82.03% |
| Net loans to equity capital | 7.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.10% |
| Multifamily (5+ residential) | 0.82% |
| Commercial and industrial | 2.20% |
| Consumer | 2.91% |
| Credit cards | 0.46% |
| Farm | 4.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 40.16% |
| Construction concentration (Tier 1 capital + allowance) | 22.64% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $6.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $342.8M | $466.8M | 15.75% | 2.99% | 3.80% |
| Q4 2023 | $357.7M | $476.6M | 14.77% | 3.12% | 3.50% |
| Q1 2024 | $365.2M | $480.3M | 14.47% | 3.24% | 3.25% |
| Q2 2024 | $380.3M | $491.1M | 14.79% | 3.06% | 3.24% |
| Q3 2024 | $389.4M | $507.1M | 14.49% | 2.89% | 3.24% |
| Q4 2024 | $395.9M | $531.7M | 16.94% | 2.98% | 3.33% |
| Q1 2025 | $396.3M | $541.2M | 16.97% | 2.66% | 3.23% |
| Q2 2025 | $399.7M | $527.6M | 16.63% | 2.45% | 3.28% |
| Q3 2025 | $407.8M | $526.0M | 17.49% | 2.37% | 3.27% |
| Q4 2025 | $418.3M | $547.8M | 16.94% | 2.32% | 3.16% |
| Q1 2026 | $424.3M | $550.0M | 16.51% | 2.56% | 3.03% |
| Q2 2026 | $439.6M | $535.9M | 16.10% | 2.20% | 2.91% |
The Bank of Marion loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Marion, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of Marion profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9507) · FFIEC NIC profile (RSSD 858528)