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Marion Community Bank

$100M-$1B Specialty: Commercial AL FDIC cert 14184

Marion, AL

7 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in AL
View $100M-$1B leaderboard (AL) →

Marion Community Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 19.8% in tier
  • - ROA 0.21% below tier average
  • - Efficiency Ratio 3.89% above tier average
  • - Delinquency Rate 0.27% above tier average
Get updates when Marion Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $351.1M
+3.2% YoY +0.3% QoQ
-$34.9M $386.1M
+0.5% YoY
$2.5B
+0.2% YoY
$6.2B
+9.1% YoY
54%
Total Loans ? $219.4M
+10.9% YoY +0.3% QoQ
-$36.3M $255.7M
+1.1% YoY
$1.5B
+2.4% YoY
$3.2B
+10.8% YoY
53%
Total Deposits ? $319.6M
+2.4% YoY +0.0% QoQ
-$8.3M $328.0M
+0.1% YoY
$2.1B
-0.2% YoY
$4.8B
+8.2% YoY
58%
Return on Assets ? 1.06%
+59.0% YoY
-0.21% 1.27%
+12.9% YoY
0.78%
-19.5% YoY
1.23%
+13.4% YoY
42%
Net Interest Margin ? 4.19%
+20.5% YoY +10.2% QoQ
+0.26% 3.93%
+6.0% YoY
3.99%
+5.2% YoY
3.89%
+5.7% YoY
68%
Efficiency Ratio ? 69.18%
-15.2% YoY -6.3% QoQ
+3.89% 65.29%
-4.5% YoY
72.13%
+5.1% YoY
66.95%
-4.1% YoY
34%
Delinquency Rate ? 1.16%
-25.2% YoY -1.9% QoQ
+0.27% 0.89%
+18.8% YoY
1.09%
+24.8% YoY
0.95%
+18.8% YoY
25%
Loan-to-Deposit Ratio ? 68.64%
+8.3% YoY +0.3% QoQ
-8.00% 76.64%
+0.8% YoY
67.08%
+2.0% YoY
76.70%
+0.9% YoY
69%
Non-Interest-Bearing Deposit Share ? 27.38%
+2.0% YoY +5.4% QoQ
+5.36% 22.02%
-1.0% YoY
23.89%
+0.0% YoY
22.01%
-1.2% YoY
75%
Nonperforming Asset Ratio ? 0.74%
-19.5% YoY -3.8% QoQ
+0.10% 0.64%
+19.7% YoY
0.71%
+24.8% YoY
0.67%
+19.3% YoY
28%
Tier 1 Capital Ratio ? 9.72%
+0.2% YoY +5.8% QoQ
-6.12% 15.83%
+1.5% YoY
16.96%
+13.8% YoY
17.06%
+0.8% YoY
Bottom 6.6% in tier
Non-Interest Income / Assets ? 0.15%
-0.5% YoY -73.6% QoQ
-0.13% 0.28%
+9.3% YoY
0.16%
-16.3% YoY
0.32%
+4.1% YoY
72%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#133 of 666 • Bottom 19.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.72%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2489
Tier 1 Capital Ratio
capital
Value: 9.72%
Peer Median: 15.83%
#2489 of 2664 Bottom 6.6% in $100M-$1B
1995
Delinquency Rate
credit_quality
Value: 1.16%
Peer Median: 0.89%
#1995 of 2654 Bottom 24.9% in $100M-$1B
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