Marion State Bank
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Data as of · sourced from FFIEC call reports. How we update
Marion State Bank is an FDIC-insured commercial bank headquartered in Marion, TX, established in 1906 (FDIC certificate 15355), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $142.0M, up 1.2% from Q2 2025, the 286th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.65% 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
- 15355
- Headquarters
- Marion, TX
- Established
- 1906
- Total assets, Q2 2026
- $142.0M
- Assets vs Q2 2025
- +1.2%
- Tier 1 leverage ratio, Q2 2026
- 14.65%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 114911577
- Latest call report
- Q2 2026, FFIEC 051 · Marion State Bank call report
- Holding company
- MARION BANCSHARES, INC.
- Asset rank in state
- 286th of 346 in Texas
Problem loans are rising at Marion State Bank. The Marion, Texas bank had $142 million in assets at June 30, 2026, up 1.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.87% of loans from 0.14% a year earlier. It shrank its loan book 6.3% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also funds 14.65% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
The commercial and industrial book ($15 million) is worsening: 8.38% of it is past due or on nonaccrual, up from 0.80% a year earlier. The balance sheet shrank over the year: over the year loans fell 6.3% and deposits fell 1.2%. One more trend to watch: delinquency has appeared in its $14 million non-owner-occupied commercial real estate book: 0.89% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Marion State Bank reported a return on assets of 1.49%, a nonperforming-loan ratio of 1.87% and a Texas ratio of 6.38%. The figures come from its call report filed with the FFIEC.
Marion State Bank ranks as the 286th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.8% to $142.0M, loans rose 1.7% and deposits fell 4.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 25.7% of total loans, followed by non-owner-occupied commercial real estate loans at 22.9%. Its one office in the FDIC Summary of Deposits is in Marion, TX. On its Q2 2026 call report, Marion State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 W San Antonio St, Marion, TX 78124
- County
- Guadalupe
- Metro Area
- San Antonio-New Braunfels, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1906
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $124.0M
- Allowance for credit losses
- $346K
- Net charge-offs (YTD)
- $79K
- Average total assets
- $148.0M
- Average total loans
- $57.9M
- Average interest-bearing deposits
- $89.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 11, 1936
- FDIC Cert
- 15355
- Fed RSSD
- 484057
- Parent Holding Company
- MARION BANCSHARES, INC. (RSSD 3828250)
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 State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Marion State Bank's total assets ran between $133.3M (Q1 2024) and $149.1M (Q3 2025), 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
$142.0M total assets against $140.4M; $125.0M total liabilities against $126.5M.
$58.7M net loans and leases against $62.7M; $124.0M total deposits against $125.6M.
$61.8M securities against $54.9M; $15.3M cash and balances due against $17.2M.
$1.7M total interest income against $1.7M; $460K total interest expense against $458K.
$1.2M net interest income against $1.2M.
$146K total noninterest income against $139K; $743K total noninterest expense against $737K.
$49K provision for credit losses against $63K.
$551K net income against $522K.
1.49% return on assets against 1.51%; 3.54% net interest margin against 3.58%.
14.65% tier 1 leverage ratio against 14.78%.
Inside the full Marion State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeMarion State Bank rankings
Its closest position to the top of a national ranking is 1,064 of 3,640, for Texas Ratio; its furthest is 3,348 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.23% (Q1 2025) to 1.87% (Q4 2025) and its net interest margin ran from 3.37% (Q1 2025) to 3.66% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.65% | 1.49% | 1.87% | 6.38% | 3.54% |
| Q1 2026 | 14.28% | 1.45% | 0.11% | 0.36% | 3.51% |
| Q4 2025 | 13.73% | 1.87% | 0.31% | 1.10% | 3.66% |
| Q3 2025 | 13.78% | 1.50% | 0.04% | 0.15% | 3.59% |
| Q2 2025 | 14.78% | 1.51% | 0.14% | 0.61% | 3.58% |
| Q1 2025 | 15.01% | 1.23% | 0.28% | 1.18% | 3.37% |
| Q4 2024 | 14.62% | 1.59% | 0.29% | 2.10% | 3.58% |
| Q3 2024 | 14.41% | 1.35% | 0.51% | 2.14% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 State Bank (main office) | Marion , TX | 78124 | $124.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 348 of 441 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
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Frequently asked about Marion State Bank
What are Marion State Bank's total assets?
As of the Q2 2026 filing, Marion State Bank reported total assets of $142.0 million in its FFIEC call report.
Where is Marion State Bank headquartered?
It is headquartered in Marion, TX, United States.
When was Marion State Bank founded?
It was established in 1906, per the FDIC institution directory.
Is Marion State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15355). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Marion State Bank?
Marion State Bank's primary federal regulator is the FDIC.
How many branches does Marion State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Marion State Bank's Texas Ratio?
Its Texas Ratio is 6.38% 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.
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