Marion State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.95 percentage points higher than in Q1 2026, at 69.62%. Within Texas, Marion State Bank is 278th of 346 on loan-to-deposit ratio, 47.63% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Marion State Bank sits 33.21 points lower, at 47.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $59.1M |
| Net loans and leases | $58.7M |
| Loans held for sale | $0 |
| Loans to total assets | 41.59% |
| Loan-to-deposit ratio | 47.63% |
| Net loans to equity capital | 3.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.69% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 25.68% |
| Consumer | 12.81% |
| Credit cards | 0.00% |
| Farm | 11.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.62% |
| Construction concentration (Tier 1 capital + allowance) | 8.11% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $1.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $59.9M | $129.5M | 26.32% | 30.06% | 14.45% |
| Q4 2023 | $58.4M | $125.7M | 27.90% | 29.88% | 13.58% |
| Q1 2024 | $59.6M | $120.4M | 29.68% | 29.65% | 13.68% |
| Q2 2024 | $59.6M | $125.4M | 32.52% | 27.40% | 13.80% |
| Q3 2024 | $61.2M | $121.3M | 35.77% | 26.30% | 13.00% |
| Q4 2024 | $60.3M | $120.3M | 36.30% | 26.37% | 12.96% |
| Q1 2025 | $61.0M | $121.8M | 38.25% | 25.99% | 13.24% |
| Q2 2025 | $63.1M | $125.6M | 37.45% | 24.47% | 12.35% |
| Q3 2025 | $61.3M | $132.1M | 37.62% | 25.00% | 12.44% |
| Q4 2025 | $60.8M | $128.7M | 37.75% | 24.84% | 12.24% |
| Q1 2026 | $58.1M | $129.4M | 37.89% | 26.26% | 12.45% |
| Q2 2026 | $59.1M | $124.0M | 39.69% | 25.68% | 12.81% |
Marion State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion State Bank, freeSource: Call Report Schedule RC-C, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15355) · FFIEC NIC profile (RSSD 484057)