Bank Safety Analysis
Marion State Bank: final safety record
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The standout move of Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.51 percentage points higher than in Q1 2026, at 0.90%. Marion State Bank reported 16.07% on CET1 ratio for Q2 2026, 0.99 points above the 15.08% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Marion State Bank's CET1 ratio ranged between 16.00% (Q4 2025) and 16.44% (Q3 2024) and its Texas ratio ranged between 1.95% (Q3 2023) and 9.88% (Q2 2024). Between Q2 2025 and Q2 2026, Marion State Bank's CET1 ratio fell from 16.18% to 16.07%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.27% to 0.90%, Texas ratio fell from 7.32% to 5.24% and return on assets rose from 0.80% to 0.84%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 16.07% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 11.88% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.90% are within industry-normal range.
Texas Ratio of 5.2% is well below the 100% historical failure threshold.
Efficiency ratio of 74.9% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 16.07% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 5.24% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.90% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 83.97% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 117.14% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 9 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 16.07% |
| Q1 2026 | 16.42% |
| Q4 2025 | 16.00% |
| Q3 2025 | 16.04% |
| Q2 2025 | 16.18% |
| Q1 2025 | 16.20% |
| Q4 2024 | 16.32% |
| Q3 2024 | 16.44% |
| Q3 2023 | 16.06% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 5.24% |
| Q1 2026 | 2.38% |
| Q4 2025 | 8.76% |
| Q3 2025 | 7.77% |
| Q2 2025 | 7.32% |
| Q1 2025 | 7.44% |
| Q4 2024 | 7.20% |
| Q3 2024 | 7.59% |
| Q2 2024 | 9.88% |
| Q1 2024 | 3.31% |
| Q4 2023 | 3.47% |
| Q3 2023 | 1.95% |
Marion State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 16.07% | 0.90% | 5.24% | 0.84% |
| Mar 31, 2026 | 16.42% | 0.39% | 2.38% | 1.10% |
| Dec 31, 2025 | 16.00% | 0.37% | 8.76% | 1.00% |
| Sep 30, 2025 | 16.04% | 1.35% | 7.77% | 0.87% |
| Jun 30, 2025 | 16.18% | 1.27% | 7.32% | 0.80% |
| Mar 31, 2025 | 16.20% | 1.31% | 7.44% | 0.53% |
| Dec 31, 2024 | 16.32% | 1.27% | 7.20% | 0.18% |
| Sep 30, 2024 | 16.44% | 1.28% | 7.59% | 0.36% |
| Jun 30, 2024 | — | 1.44% | 9.88% | 0.76% |
| Mar 31, 2024 | — | 0.48% | 3.31% | 0.36% |
| Dec 31, 2023 | — | 0.49% | 3.47% | 0.50% |
| Sep 30, 2023 | 16.06% | 0.22% | 1.95% | 0.61% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 9320) · FFIEC NIC profile (RSSD 678454)
Explore: Full Marion State Bank profile · Other banks in LA · Metric glossary · How the call report works