BlastPoint's Banking Scorecard

Marion State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 15355

Marion, TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Marion State Bank has 3 strengths but faces 1 concern

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

+ ROA 0.23% above tier average
+ Efficiency Ratio 7.23% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.40% below tier average

Get updates when Marion State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$147.6M +8.1% YoY +0.7% QoQ	-$238.5M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Bottom 13.6% in tier
Total Loans ?	$57.8M -4.8% YoY -4.4% QoQ	-$197.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Bottom 4.4% in tier
Total Deposits ?	$129.4M +6.3% YoY +0.6% QoQ	-$198.6M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	15%
Return on Assets ?	1.50% +21.8% YoY -4.6% QoQ	+0.23%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	67%
Net Interest Margin ?	3.53% +1.8% YoY -3.1% QoQ	-0.40%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	58.06% -10.7% YoY +2.0% QoQ	-7.23%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	66%
Delinquency Rate ?	0.11% -60.2% YoY -64.2% QoQ	-0.78%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	73%
Loan-to-Deposit Ratio ?	44.65% -10.4% YoY -4.9% QoQ	-31.99%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 6.1% in tier
Non-Interest-Bearing Deposit Share ?	28.13% +7.6% YoY -0.9% QoQ	+6.11%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.04% -65.0% YoY -66.0% QoQ	-0.59%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	14.28% -4.9% YoY +4.0% QoQ	-1.55%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.11% -1.9% YoY -72.9% QoQ	-0.17%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	57%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 (3 metrics)

163

Loan-to-Deposit Ratio

liquidity

Value: 44.65%

Peer Median: 76.64%

#163 of 2664 Top 6.1% in $100M-$1B

560

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#560 of 2664 Top 21.0% in $100M-$1B

623

Non-Interest-Bearing Deposit Share

funding

Value: 28.13%

Peer Median: 22.02%

#623 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (3 metrics)

2549

Total Loans

size

Value: $57.78M

Peer Median: $255.72M

#2549 of 2664 Bottom 4.4% in $100M-$1B

2302

Total Assets

size

Value: $147.61M

Peer Median: $386.08M

#2302 of 2664 Bottom 13.6% in $100M-$1B

2262

Total Deposits

size

Value: $129.42M

Peer Median: $327.97M

#2262 of 2664 Bottom 15.1% in $100M-$1B