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Marion Community Bank

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

Marion, AL

7 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +2.8% year over year ($326.2M on the books).
  • Delinquency rate 2.33%.
  • Return on assets 1.06%.
  • Efficiency ratio 70.15% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.10% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 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 0.19% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 43.7% in tier
  • - Delinquency Rate 1.41% above tier average
  • - ROA 0.26% below tier average
  • - Efficiency Ratio 5.67% above tier average
Get updates when Marion Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $364.2M
+6.2% YoY +3.7% QoQ
-$22.3M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
57%
Total Loans ? $231.9M
+14.1% YoY +5.7% QoQ
-$26.4M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $326.2M
+2.8% YoY +2.0% QoQ
-$539K $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
59%
Return on Assets ? 1.06%
+200.4% YoY +0.2% QoQ
-0.26% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
38%
Net Interest Margin ? 4.18%
+19.1% YoY -0.2% QoQ
+0.19% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 70.15%
-11.4% YoY +1.4% QoQ
+5.67% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 2.33%
+66.4% YoY +100.9% QoQ
+1.41% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
Bottom 10.0% in tier
Loan-to-Deposit Ratio ? 71.10%
+11.0% YoY +3.6% QoQ
-6.85% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 27.87%
+8.2% YoY +1.8% QoQ
+5.84% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 1.50%
+75.2% YoY +103.1% QoQ
+0.83% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
Bottom 12.3% in tier
Tier 1 Capital Ratio ? 9.83%
+9.1% YoY +1.2% QoQ
-6.08% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 8.5% in tier
Non-Interest Income / Assets ? 0.28%
-1.6% YoY +95.1% QoQ
-0.28% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
69%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 27.9%
+2.1pp YoY
+0.5pp QoQ
 +5.7pp 22.1% 24.0% 22.2% 76%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 16.9%
+1.6pp YoY
+1.6pp QoQ
 +5.3pp 11.6% 16.9% 12.5% 82%
CRE 53.3%
-0.6pp YoY
-3.0pp QoQ
 +13.7pp 39.5% 43.5% 41.4% 75%
1-4 Family 20.4%
-0.1pp YoY
+1.0pp QoQ
 -12.2pp 32.6% 30.6% 31.3% 31%
Consumer 4.3%
-0.1pp YoY
-0.1pp QoQ
 +0.2pp 4.1% 5.7% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 9.8%
+0.8pp YoY
+0.1pp QoQ
 -2.3pp 12.2% 13.2% 12.6% 27%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 61
+3 (+5.2%) YoY
+4 (+7.0%) QoQ
 +2 58 304 482 64%
Assets per Employee ($) $6.0M
+0.9% YoY
-3.1% QoQ
 -$1.5M $7.5M $6.9M $8.8M 33%
Branch Count 7
+1 (+16.7%) YoY
0 QoQ
 +2 4 20 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.2% 0.4% 31%
Nonaccrual 2.3%
+0.9pp YoY
+1.1pp QoQ
 +1.4pp 0.9% 1.2% 1.0% 90%
Allowance Coverage 0.59x
-28.9% YoY
-51.2% QoQ
 -23.56x 24.15x 7.50x 20.23x 14%
Net Charge-off Rate (YTD) -0.0%
-3.9pp YoY
+0.1pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 7%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 16.4%
+36.0pp YoY
+0.1pp QoQ
 +4.2pp 12.2% 10.0% 11.6% 75%
Cost of Funds (YTD) 1.7%
-0.4pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.7% 1.7% 49%
Net Income ($, YTD) $1.9M
+204.0% YoY
— QoQ
 -$664K $2.6M $17.2M $40.4M 50%

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
#290 of 661 • Bottom 43.7% 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: 9.83%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

637
Non-Interest-Bearing Deposit Share
funding
Value: 27.87%
Peer Median: 22.03%
#637 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (3 metrics)

2420
Tier 1 Capital Ratio
capital
Value: 9.83%
Peer Median: 15.91%
#2420 of 2643 Bottom 8.5% in $100M-$1B
2372
Delinquency Rate
credit_quality
Value: 2.33%
Peer Median: 0.92%
#2372 of 2633 Bottom 10.0% in $100M-$1B
2319
Nonperforming Asset Ratio
credit_quality
Value: 1.50%
Peer Median: 0.67%
#2319 of 2643 Bottom 12.3% in $100M-$1B
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