BlastPoint's Banking Scorecard

Marion County State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 15272

Pella, IA

5 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Marion County State Bank has 3 strengths but faces 3 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

+ Profitability Leader: Top 43.8% in tier
+ Efficiency Ratio 15.82% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 17.6% in tier
- Deposit Outflow: Bottom 42.3% in tier
- Net Interest Margin 0.19% below tier average

Get updates when Marion County State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$620.3M -2.2% YoY -4.3% QoQ	+$234.2M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$486.5M +4.1% YoY -0.4% QoQ	+$230.8M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 12.4% in tier
Total Deposits ?	$536.4M -1.1% YoY -3.1% QoQ	+$208.4M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	1.69% +41.7% YoY +19.4% QoQ	+0.42%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	3.74% +16.3% YoY +10.8% QoQ	-0.19%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	49.47% -8.2% YoY -6.8% QoQ	-15.82%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	85%
Delinquency Rate ?	0.28% -78.3% YoY +65.8% QoQ	-0.60%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	90.70% +5.3% YoY +2.8% QoQ	+14.06%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	15.44% -7.7% YoY -4.0% QoQ	-6.58%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.28% -72.7% YoY +50.5% QoQ	-0.36%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	52%
Tier 1 Capital Ratio ?	13.47% -1.6% YoY +4.0% QoQ	-2.36%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.17% +47.2% YoY -73.1% QoQ	-0.11%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	80%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (1)

Profitability Leader

growth

#293 of 666 • Top 43.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.69%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Liquidity Strain

risk

#114 of 643 • Bottom 17.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.70%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Deposit Outflow

decline

#215 of 506 • Bottom 42.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

331

Total Loans

size

Value: $486.52M

Peer Median: $255.72M

#331 of 2664 Top 12.4% in $100M-$1B

401

Efficiency Ratio

profitability

Value: 49.47%

Peer Median: 65.29%

#401 of 2664 Top 15.0% in $100M-$1B

462

Total Deposits

size

Value: $536.41M

Peer Median: $327.97M

#462 of 2664 Top 17.3% in $100M-$1B

481

Total Assets

size

Value: $620.28M

Peer Median: $386.08M

#481 of 2664 Top 18.0% in $100M-$1B

528

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#528 of 2664 Top 19.8% in $100M-$1B

603

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.27%

#603 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (1 metrics)

2053

Loan-to-Deposit Ratio

liquidity

Value: 90.70%

Peer Median: 76.64%

#2053 of 2664 Bottom 23.0% in $100M-$1B