Marion Center Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.11 percentage points higher than in Q1 2026, at 47.61%. Marion Center Bank ranks 77th of 109 Pennsylvania banks on return on assets, in the lower half at 0.73% (Q2 2026). Marion Center Bank reported 0.73% on return on assets for Q2 2026, 0.52 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.03% |
| Tier 1 risk-based capital ratio | 12.03% |
| Total risk-based capital ratio | 13.11% |
| Tier 1 leverage ratio | 7.91% |
| Equity capital to assets | 6.27% |
| Tangible equity to tangible assets | 6.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.99% |
| Non-performing assets ratio | 1.50% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 26.71% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 47.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.73% |
| Return on equity | 12.14% |
| Net interest margin | 3.29% |
| Efficiency ratio | 68.52% |
| Yield on earning assets | 4.98% |
| Cost of funds | 1.77% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.95% |
| Core deposits to total deposits | 90.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.66% |
| Securities to assets | 18.51% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.33% | 10.33% | 11.43% | 7.01% | 0.19% |
| Q4 2023 | 10.32% | 10.32% | 11.39% | 6.98% | 0.31% |
| Q1 2024 | 10.37% | 10.37% | 11.46% | 6.86% | 0.05% |
| Q2 2024 | 10.41% | 10.41% | 11.49% | 6.81% | 0.27% |
| Q3 2024 | 10.67% | 10.67% | 11.69% | 6.92% | 0.63% |
| Q4 2024 | 10.98% | 10.98% | 11.99% | 7.21% | 0.67% |
| Q1 2025 | 11.00% | 11.00% | 12.03% | 7.22% | 0.46% |
| Q2 2025 | 11.08% | 11.08% | 12.10% | 7.27% | 0.68% |
| Q3 2025 | 11.39% | 11.39% | 12.52% | 7.37% | 0.37% |
| Q4 2025 | 11.77% | 11.77% | 12.88% | 7.61% | 0.87% |
| Q1 2026 | 12.04% | 12.04% | 13.15% | 7.79% | 0.82% |
| Q2 2026 | 12.03% | 12.03% | 13.11% | 7.91% | 0.73% |
Marion Center Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion Center Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Marion Center Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7909) · FFIEC NIC profile (RSSD 947525)