Marion County State Bank
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Data as of · sourced from FFIEC call reports. How we update
Marion County State Bank is an FDIC-insured commercial bank headquartered in Pella, IA, established in 1935 (FDIC certificate 15272), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $628.6M, down 2.1% from Q2 2025, the 43rd largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 13.92% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15272
- Headquarters
- Pella, IA
- Established
- 1935
- Total assets, Q2 2026
- $628.6M
- Assets vs Q2 2025
- -2.1%
- CET1 ratio, Q2 2026
- 13.92%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 073913674
- Holding company
- PELLA FINANCIAL GROUP, INC.
- Asset rank in state
- 43rd of 225 in Iowa
Marion County State Bank is one of the more profitable banks of its size. Based in Pella, Iowa, it had $629 million in assets at June 30, 2026, down 2.1% from a year earlier. It returns 20.0% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $3.1 million, 42% above the same quarter a year earlier. Over the same year, loans grew 3.7% and deposits shrank 0.7%. One more trend to watch: problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.27% of loans, against 0.11% a year earlier.
As of June 30, 2026, Marion County State Bank reported a CET1 capital ratio of 13.92%, a return on assets of 1.97%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 2.97%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, Marion County State Bank is the 43rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.3% to $628.6M, loans fell 0.3% and deposits rose 1.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.3% of total loans, ahead of farmland and other real estate loans at 19.6%. Its 5 offices in the FDIC Summary of Deposits are in Pella, IA, Knoxville, IA and Melcher, IA; its Pella 2 offices book 67% of its branch deposits. Judged on its Q2 2026 call report, Marion County State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 800 Main St, Pella, IA 50219
- County
- Marion
- Metro Area
- Pella, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- September 21, 1935
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $546.6M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $25K
- Average total assets
- $635.7M
- Average total loans
- $488.4M
- Average interest-bearing deposits
- $453.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 21, 1935
- FDIC Cert
- 15272
- Fed RSSD
- 97943
- Website
- www.marioncountybank.com →
- Parent Holding Company
- PELLA FINANCIAL GROUP, INC. (RSSD 1200245)
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 County State Bank's total assets moved between a low of $620.3M (Q1 2026) and a high of $666.5M (Q4 2023) 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
$628.6M total assets against $641.9M; $564.5M total liabilities against $585.5M.
$484.8M net loans and leases against $468.5M; $546.6M total deposits against $550.2M.
$105.0M securities against $130.3M; $14.0M cash and balances due against $11.3M.
$7.9M total interest income against $7.5M; $2.1M total interest expense against $2.4M.
$5.8M net interest income against $5.1M.
$1.1M total noninterest income against $750K; $3.3M total noninterest expense against $3.3M.
$300K provision for credit losses against $300K.
$3.1M net income against $2.2M.
1.97% return on assets against 1.35%; 3.87% net interest margin against 3.36%.
13.92% CET1 capital ratio against 13.28%; 10.41% tier 1 leverage ratio against 9.47%.
Inside the full Marion County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMarion County State Bank rankings
Its closest position to the top of a national ranking is 524 of 3,611, for ROA; its furthest is 1,143 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.06% (Q4 2024) to 1.97% (Q2 2026) and its net interest margin ran from 2.88% (Q3 2024) to 3.87% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.92% | 1.97% | 0.27% | 2.97% | 3.87% |
| Q1 2026 | 13.47% | 1.66% | 0.28% | 3.27% | 3.69% |
| Q4 2025 | 12.94% | 1.70% | 0.17% | 2.30% | 3.42% |
| Q3 2025 | 12.76% | 1.32% | 0.26% | 14.41% | 3.36% |
| Q2 2025 | 13.28% | 1.35% | 0.11% | 14.15% | 3.36% |
| Q1 2025 | 13.68% | 1.16% | 1.30% | 14.30% | 3.13% |
| Q4 2024 | 12.91% | 1.06% | 1.27% | 14.83% | 3.06% |
| Q3 2024 | 13.45% | 1.18% | 0.72% | 8.72% | 2.88% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 County State Bank (main office) | Pella , IA | 50219 | $367.1M |
| Iowa State Savings Bank Branch | Knoxville , IA | 50138 | $179.5M |
| Motor Branch | Pella , IA | 50219 | $0 |
| Melcher Branch | Melcher , IA | 50163 | $0 |
| Parking Lot Branch | Knoxville , IA | 50138 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 9, 2019 | Structure Change | Acquired Iowa State Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in IA, rank 50 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $802K approved, $401K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 County State Bank
What are Marion County State Bank's total assets?
As of the Q2 2026 filing, Marion County State Bank reported total assets of $628.6 million in its FFIEC call report.
Where is Marion County State Bank headquartered?
It is headquartered in Pella, IA, United States.
When was Marion County State Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Marion County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Marion County State Bank?
Marion County State Bank's primary federal regulator is the FDIC.
What is Marion County State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.92% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Marion County State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Marion County State Bank's Texas Ratio?
Its Texas Ratio is 2.97% 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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