Marion State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Marion State Bank of Marion, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.49% | 1.34% | +0.15% | 62nd above |
| ROAE Behind the peer average, ahead of the median peer. | 12.87% | 13.31% | -0.44% | 53rd above |
| Net Interest Margin | 3.54% | 3.93% | -0.39% | 29th below |
| Efficiency Ratio | 53.87% | 61.14% | -7.27% | 72nd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.68% | -0.06% | 52nd above |
| Yield on Earning Assets | 4.86% | 5.67% | -0.81% | 18th bottom |
| Cost of Funds | 1.47% | 1.88% | -0.41% | 71st above |
| Net Interest Spread | 2.84% | 3.32% | -0.48% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.87% | 0.94% | +0.93% | 14th bottom |
| NPA / Total Assets | 0.78% | 0.70% | +0.08% | 27th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans | 0.59% | 1.28% | -0.69% | 4th bottom |
| ACL / NPLs (Coverage) | 31.28% | 1538.90% | -1507.62% | 4th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.38% | 7.33% | -0.95% | 34th below |
| Provision / NCO | 98.73% | 1395.76% | -1297.03% | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.65% | 12.14% | +2.51% | 85th top |
| Equity / Assets | 11.96% | 11.37% | +0.59% | 71st above |
| TCE / Tangible Assets | 11.96% | 11.09% | +0.87% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 47.63% | 80.64% | -33.01% | 93rd top |
| Core Deposit Ratio | 79.96% | 86.86% | -6.90% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.16% | 6.85% | -5.69% | 27th below |
| Loan Growth (Y/Y) | -6.33% | 7.90% | -14.23% | 5th bottom |
| Deposit Growth (Y/Y) | -1.23% | 6.29% | -7.52% | 17th bottom |
See Marion State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Marion State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Marion State Bank profile, how to read a UBPR, or how this data updates.