BlastPoint

BlastPoint's Banking Scorecard

Marion County State Bank

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

Pella, IA

5 branches across IA

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 167 in IA.
  • Deposits -0.7% year over year ($546.6M on the books).
  • Delinquency rate 0.27%.
  • Return on assets 1.84%.
  • Efficiency ratio 48.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.70% 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 167 in IA
View $100M-$1B leaderboard (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 25.3% in tier
  • + Efficiency Ratio 15.68% below tier average
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 14.4% in tier
  • - Credit Quality Pressure: Bottom 27.9% in tier
  • - Net Interest Margin 0.16% below tier average
Get updates when Marion County State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $628.6M
-2.1% YoY +1.3% QoQ
+$242.1M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $484.8M
+3.5% YoY -0.4% QoQ
+$226.4M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 13.0% in tier
Total Deposits ? $546.6M
-0.7% YoY +1.9% QoQ
+$219.8M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
84%
Return on Assets ? 1.84%
+43.1% YoY +8.8% QoQ
+0.52% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
82%
Net Interest Margin ? 3.82%
+15.6% YoY +2.1% QoQ
-0.16% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
44%
Efficiency Ratio ? 48.79%
-10.6% YoY -1.4% QoQ
-15.68% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Top 14.6% in tier
Delinquency Rate ? 0.27%
+144.0% YoY -3.9% QoQ
-0.65% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
59%
Loan-to-Deposit Ratio ? 88.70%
+4.2% YoY -2.2% QoQ
+10.75% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
29%
Non-Interest-Bearing Deposit Share ? 18.34%
+23.0% YoY +18.8% QoQ
-3.69% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 0.27%
-74.5% YoY -5.1% QoQ
-0.40% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
54%
Tier 1 Capital Ratio ? 13.92%
+4.8% YoY +3.4% QoQ
-1.99% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
57%
Non-Interest Income / Assets ? 0.34%
+45.1% YoY +94.7% QoQ
-0.23% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
78%

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 (IA) National Avg Tier Percentile
Noninterest-Bearing 18.3%
+3.4pp YoY
+2.9pp QoQ
 -3.8pp 22.1% 17.8% 22.2% 37%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 9.6%
-1.1pp YoY
-0.2pp QoQ
 -1.9pp 11.6% 12.8% 12.5% 50%
CRE 22.5%
-0.4pp YoY
+0.1pp QoQ
 -17.1pp 39.5% 28.3% 41.4% 22%
1-4 Family 35.6%
+1.8pp YoY
+0.9pp QoQ
 +3.0pp 32.6% 23.0% 31.3% 63%
Consumer 1.2%
-0.3pp YoY
-0.1pp QoQ
 -2.9pp 4.1% 2.9% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 13.9%
+0.6pp YoY
+0.4pp QoQ
 -4.9pp 18.8% 15.4% 19.7% 38%
Leverage Ratio 10.4%
+0.9pp YoY
+0.5pp QoQ
 -1.8pp 12.2% 12.4% 12.6% 39%
Total Capital Ratio 14.7%
+0.9pp YoY
+0.5pp QoQ
 -5.2pp 19.9% 16.5% 20.8% 35%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 63
+2 (+3.3%) YoY
+3 (+5.0%) QoQ
 +4 58 64 482 66%
Assets per Employee ($) $10.0M
-5.2% YoY
-3.5% QoQ
 +$2.5M $7.5M $8.9M $8.8M 85%
Branch Count 5
0 YoY
0 QoQ
 0 4 5 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 24%
Nonaccrual 0.3%
+0.2pp YoY
+0.1pp QoQ
 -0.7pp 0.9% 1.0% 1.0% 34%
Allowance Coverage 2.92x
-45.4% YoY
+12.8% QoQ
 -21.23x 24.15x 18.97x 20.23x 58%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 45%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 18.7%
+3.6pp YoY
+1.2pp QoQ
 +6.5pp 12.2% 12.8% 11.6% 84%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 32%
Net Income ($, YTD) $5.8M
+40.7% YoY
— QoQ
 +$3.3M $2.6M $4.0M $40.4M 91%

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
#168 of 661 • Top 25.3% in tier

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

Why this signature
Return on Assets: 1.84%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#136 of 936 • Bottom 14.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#351 of 1256 • Bottom 27.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.27%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 (6 metrics)

344
Total Loans
size
Value: $484.79M
Peer Median: $258.35M
#344 of 2643 Top 13.0% in $100M-$1B
386
Efficiency Ratio
profitability
Value: 48.79%
Peer Median: 64.48%
#386 of 2643 Top 14.6% in $100M-$1B
429
Total Deposits
size
Value: $546.56M
Peer Median: $326.73M
#429 of 2643 Top 16.2% in $100M-$1B
459
Total Assets
size
Value: $628.65M
Peer Median: $386.57M
#459 of 2643 Top 17.3% in $100M-$1B
486
Return on Assets
profitability
Value: 1.84%
Peer Median: 1.32%
#486 of 2643 Top 18.4% in $100M-$1B
581
Non-Interest Income / Assets
revenue_mix
Value: 0.34%
Peer Median: 0.57%
#581 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026