Marion Center Bank
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Data as of · sourced from FFIEC call reports. How we update
Marion Center Bank is an FDIC-insured commercial bank headquartered in Indiana, PA, established in 1905 (FDIC certificate 7909), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $425.2M, up 0.2% from Q2 2025, the 75th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 12.03% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 7909
- Headquarters
- Indiana, PA
- Established
- 1905
- Total assets, Q2 2026
- $425.2M
- Assets vs Q2 2025
- +0.2%
- CET1 ratio, Q2 2026
- 12.03%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 043312373
- Latest call report
- Q2 2026, FFIEC 051 · Marion Center Bank call report
- Holding company
- COMMUNITY BANKERS' CORPORATION
- Asset rank in state
- 75th of 109 in Pennsylvania
Problem loans are rising at Marion Center Bank. Based in Indiana, Pennsylvania, it had $425 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.01% of loans from 0.62% a year earlier. It funds 7.91% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also carries problem assets equal to 11.0% of the capital and reserves that would absorb them, 4.2 times the median of 2.6% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $10 million equal 30% of Tier 1 capital, down from 38% a year earlier. The commercial and industrial book ($49 million) is worsening: 6.32% of it is past due or on nonaccrual, up from 5.76% a year earlier. Its margin is thin by comparison: it keeps 3.29 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Marion Center Bank reported a CET1 capital ratio of 12.03%, a return on assets of 0.73%, a nonperforming-loan ratio of 1.01% and a Texas ratio of 11.03%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Marion Center Bank is the 75th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $425.2M, loans rose 3.0% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 45.1% of total loans, ahead of owner-occupied commercial real estate loans at 15.3%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in PA; its Marion Center office books 23% of its branch deposits. On its Q2 2026 call report, Marion Center Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1271 Indian Springs Rd, Indiana, PA 15701
- County
- Indiana
- Metro Area
- Indiana, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 6, 1905
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 72
- Domestic deposits
- $385.5M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $203K
- Average total assets
- $437.4M
- Average total loans
- $315.7M
- Average interest-bearing deposits
- $307.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7909
- Fed RSSD
- 947525
- Parent Holding Company
- COMMUNITY BANKERS' CORPORATION (RSSD 1138928)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Marion Center Bank's total assets moved between a low of $392.0M (Q3 2023) and a high of $426.9M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$425.2M total assets against $424.2M; $398.5M total liabilities against $401.4M.
$316.7M net loans and leases against $311.0M; $385.5M total deposits against $383.1M.
$78.7M securities against $82.9M; $12.6M cash and balances due against $13.6M.
$5.1M total interest income against $5.1M; $1.8M total interest expense against $2.0M.
$3.4M net interest income against $3.1M.
$371K total noninterest income against $348K; $2.6M total noninterest expense against $2.5M.
$183K provision for credit losses against $46K.
$799K net income against $751K.
0.73% return on assets against 0.68%; 3.29% net interest margin against 3.02%.
12.03% CET1 capital ratio against 11.08%; 7.91% tier 1 leverage ratio against 7.27%.
Inside the full Marion Center Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMarion Center Bank rankings
Its closest position to the top of a national ranking is 544 of 3,640, for Texas Ratio; its furthest is 2,992 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q3 2025) to 0.87% (Q4 2025) and its net interest margin ran from 2.82% (Q3 2024) to 3.30% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.03% | 0.73% | 1.01% | 11.03% | 3.29% |
| Q1 2026 | 12.04% | 0.82% | 1.35% | 14.63% | 3.26% |
| Q4 2025 | 11.77% | 0.87% | 0.67% | 7.52% | 3.30% |
| Q3 2025 | 11.39% | 0.37% | 0.88% | 10.16% | 3.17% |
| Q2 2025 | 11.08% | 0.68% | 0.62% | 7.69% | 3.02% |
| Q1 2025 | 11.00% | 0.46% | 0.64% | 8.22% | 2.83% |
| Q4 2024 | 10.98% | 0.67% | 0.68% | 9.20% | 2.99% |
| Q3 2024 | 10.67% | 0.63% | 1.00% | 12.79% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Marion Center Branch | Marion Center , PA | 15759 | $89.0M |
| Clymer Branch | Clymer , PA | 15728 | $69.4M |
| Marion Center Bank (main office) | Indiana , PA | 15701 | $65.2M |
| Punxsutawney Office Branch | Punxsutawney , PA | 15767 | $57.1M |
| Dayton Branch | Dayton , PA | 16222 | $41.8M |
| Hastings Branch | Hastings , PA | 16646 | $36.1M |
| Big Run Branch | Big Run , PA | 15715 | $26.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC)
- March 30, 2005, OCC: Civil Money Penalty (CMP): The Marion Center National Bank
- September 20, 2004, OCC: Formal Agreement: The Marion Center National Bank
- Period: Most recent institution action March 30, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in PA, rank 89 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Marion Center Bank
What are Marion Center Bank's total assets?
As of the Q2 2026 filing, Marion Center Bank reported total assets of $425.2 million in its FFIEC call report.
Where is Marion Center Bank headquartered?
It is headquartered in Indiana, PA, United States.
When was Marion Center Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Marion Center Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7909). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Marion Center Bank?
Marion Center Bank's primary federal regulator is the FDIC.
What is Marion Center Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.03% in its Q2 2026 call report, above regulatory requirements.
How many branches does Marion Center Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Marion Center Bank's Texas Ratio?
Its Texas Ratio is 11.03% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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