Marion Community 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: 60.37 percentage points lower than in Q1 2026, at 59.78%. Marion Community Bank ranks 50th of 93 Alabama banks on return on assets, in the lower half at 1.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Marion Community Bank sits 0.17 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.83% |
| Equity capital to assets | 6.46% |
| Tangible equity to tangible assets | 6.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.28% |
| Non-performing assets ratio | 1.48% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 20.48% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 59.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 16.39% |
| Net interest margin | 4.04% |
| Efficiency ratio | 70.57% |
| Yield on earning assets | 5.67% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.08% |
| Core deposits to total deposits | 88.66% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.56% |
| Securities to assets | 22.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.73% | 0.85% | 2.77% | 4.12% | -0.00% |
| Q4 2023 | 9.77% | 0.42% | 2.81% | 3.32% | 0.04% |
| Q1 2024 | 9.85% | 0.41% | 2.80% | 2.97% | 0.01% |
| Q2 2024 | 9.95% | 0.47% | 2.96% | 2.80% | -1.64% |
| Q3 2024 | 9.60% | 0.57% | 2.93% | 2.32% | -0.01% |
| Q4 2024 | 9.36% | 0.77% | 2.96% | 1.56% | 0.11% |
| Q1 2025 | 9.70% | 0.65% | 3.32% | 1.51% | -0.01% |
| Q2 2025 | 9.01% | -2.69% | 3.35% | 1.38% | 7.73% |
| Q3 2025 | 9.12% | 1.17% | 3.81% | 1.28% | -0.06% |
| Q4 2025 | 9.18% | 0.59% | 3.90% | 1.17% | 0.01% |
| Q1 2026 | 9.72% | 1.06% | 4.03% | 1.16% | -0.10% |
| Q2 2026 | 9.83% | 1.09% | 4.04% | 2.28% | 0.04% |
Marion Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14184) · FFIEC NIC profile (RSSD 449832)