Marion State 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: 3424.27 percentage points lower than in Q1 2026, at 31.28%. Marion State Bank ranks 173rd of 345 Texas banks on return on assets, in the lower half at 1.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Marion State Bank sits 0.24 points higher, at 1.49% (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 | 14.65% |
| Equity capital to assets | 11.96% |
| Tangible equity to tangible assets | 11.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.87% |
| Non-performing assets ratio | 0.78% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 6.38% |
| Allowance for credit losses to loans | 0.59% |
| Reserve coverage of non-performing loans | 31.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 12.87% |
| Net interest margin | 3.54% |
| Efficiency ratio | 53.87% |
| Yield on earning assets | 4.86% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 47.63% |
| Core deposits to total deposits | 79.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.32% |
| Securities to assets | 43.49% |
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 | 13.14% | 1.48% | 3.36% | 0.39% | 0.11% |
| Q4 2023 | 13.59% | 1.57% | 3.35% | 0.47% | 0.11% |
| Q1 2024 | 13.93% | 1.54% | 3.56% | 0.43% | 0.00% |
| Q2 2024 | 14.28% | 1.32% | 3.34% | 0.56% | -0.09% |
| Q3 2024 | 14.41% | 1.35% | 3.46% | 0.50% | 0.00% |
| Q4 2024 | 14.62% | 1.59% | 3.58% | 0.29% | 0.26% |
| Q1 2025 | 15.01% | 1.23% | 3.37% | 0.16% | 1.11% |
| Q2 2025 | 14.78% | 1.51% | 3.58% | 0.14% | 0.27% |
| Q3 2025 | 13.78% | 1.50% | 3.59% | 0.04% | 0.21% |
| Q4 2025 | 13.73% | 1.87% | 3.66% | 0.03% | -0.02% |
| Q1 2026 | 14.28% | 1.45% | 3.51% | 0.02% | 0.45% |
| Q2 2026 | 14.65% | 1.49% | 3.54% | 1.87% | 0.09% |
Marion State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15355) · FFIEC NIC profile (RSSD 484057)