Marion Community Bank
BankRegReports is independent of Marion Community Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Marion Community Bank is an FDIC-insured commercial bank headquartered in Marion, AL, established in 1934 (FDIC certificate 14184), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $364.2M, up 6.2% from Q2 2025, the 43rd largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.83% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14184
- Headquarters
- Marion, AL
- Established
- 1934
- Total assets, Q2 2026
- $364.2M
- Assets vs Q2 2025
- +6.2%
- Tier 1 leverage ratio, Q2 2026
- 9.83%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 062201630
- Latest call report
- Q2 2026, FFIEC 041 · Marion Community Bank call report
- Holding company
- MARION BANCSHARES, INC.
- Asset rank in state
- 43rd of 93 in Alabama
Problem loans are rising at Marion Community Bank. It reported $364 million in assets at June 30, 2026, up 6.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.30% of loans from 1.38% a year earlier. It carries problem assets equal to 20.4% of the capital and reserves that would absorb them, 7.7 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 14.3% over the year, 2.6 times the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 14.3% and deposits rose 2.8%. Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 35% of Tier 1 capital, down from 49% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Marion Community Bank reported a return on assets of 1.09%, a nonperforming-loan ratio of 2.30% and a Texas ratio of 20.38%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, Marion Community Bank is the 43rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.7% to $364.2M, loans rose 5.7% and deposits rose 2.0%. 1-4 family residential loans made up 20.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.6%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in AL; its Selma office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Marion Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 601 Washington St, Marion, AL 36756
- County
- Perry
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 17, 1934
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $326.2M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- -$35K
- Average total assets
- $353.3M
- Average total loans
- $229.5M
- Average interest-bearing deposits
- $233.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 2, 1934
- FDIC Cert
- 14184
- Fed RSSD
- 449832
- Website
- www.marion-bank.com →
- Parent Holding Company
- MARION BANCSHARES, INC. (RSSD 1248023)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Marion Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Marion Community Bank's total assets moved between a low of $316.9M (Q1 2024) and a high of $364.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$364.2M total assets against $343.1M; $340.7M total liabilities against $325.4M.
$231.9M net loans and leases against $203.3M; $326.2M total deposits against $317.4M.
$80.3M securities against $80.8M; $26.4M cash and balances due against $37.4M.
$4.8M total interest income against $4.4M; $1.4M total interest expense against $1.6M.
$3.4M net interest income against $2.8M.
$522K total noninterest income against $491K; $2.8M total noninterest expense against $2.5M.
$135K provision for credit losses against $2.7M.
$959K net income against -$2.4M.
1.09% return on assets against -2.69%; 4.04% net interest margin against 3.35%.
9.83% tier 1 leverage ratio against 9.01%.
Inside the full Marion Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Marion Community Bank rankings
Its closest position to the top of a national ranking is 163 of 3,640, for Texas Ratio; its furthest is 2,792 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.69% (Q2 2025) to 1.17% (Q3 2025) and its net interest margin ran from 2.93% (Q3 2024) to 4.04% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.83% | 1.09% | 2.30% | 20.38% | 4.04% |
| Q1 2026 | 9.72% | 1.06% | 1.14% | 9.80% | 4.03% |
| Q4 2025 | 9.18% | 0.59% | 1.17% | 10.66% | 3.90% |
| Q3 2025 | 9.12% | 1.17% | 1.29% | 12.69% | 3.81% |
| Q2 2025 | 9.01% | -2.69% | 1.38% | 14.60% | 3.35% |
| Q1 2025 | 9.70% | 0.65% | 1.52% | 13.17% | 3.32% |
| Q4 2024 | 9.36% | 0.77% | 1.57% | 14.42% | 2.96% |
| Q3 2024 | 9.60% | 0.57% | 1.68% | 13.29% | 2.93% |
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 |
|---|---|---|---|
| Selma Branch | Selma , AL | 36701 | $140.8M |
| Marion Community Bank (main office) | Marion , AL | 36756 | $85.3M |
| Maplesville Branch | Maplesville , AL | 36750 | $31.5M |
| Clanton Branch | Clanton , AL | 35045 | $31.4M |
| Jemison Branch Office | Jemison , AL | 35085 | $19.0M |
| Montgomery Branch | Montgomery , AL | 36117 | $13.7M |
| Marion Community Bank, Wetumpka Branch | Wetumpka , AL | 36092 | $4.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AL, rank 59 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, 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
Add this badge to your website
Free to use. It shows Marion Community Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Marion Community Bank with peers
Frequently asked about Marion Community Bank
What are Marion Community Bank's total assets?
As of the Q2 2026 filing, Marion Community Bank reported total assets of $364.2 million in its FFIEC call report.
Where is Marion Community Bank headquartered?
It is headquartered in Marion, AL, United States.
When was Marion Community Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Marion Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Marion Community Bank?
Marion Community Bank's primary federal regulator is the FDIC.
How many branches does Marion Community 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 Community Bank's Texas Ratio?
Its Texas Ratio is 20.38% 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.
Go deeper on Marion Community Bank.
Get an email when Marion Community Bank files its next call report, and benchmark it against any peer you choose.
Unlock Marion Community Bank, freeFree account