BlastPoint's Banking Scorecard
Marion State Bank
Marion, TX
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 219 in TX.
- Deposits -1.2% year over year ($124.0M on the books).
- Delinquency rate 1.88%.
- Return on assets 1.52%.
- Efficiency ratio 56.71% vs a 64.48% peer average.
- Loan-to-deposit ratio 47.35% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Marion State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.19% above tier average
- + Efficiency Ratio 7.77% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.45% below tier average
- - Delinquency Rate 0.96% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$142.0M
+1.2% YoY
-3.8% QoQ
|
-$244.5M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.0% in tier |
| Total Loans ? |
$58.7M
-6.4% YoY
+1.6% QoQ
|
-$199.6M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.4% in tier |
| Total Deposits ? |
$124.0M
-1.2% YoY
-4.2% QoQ
|
-$202.7M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.4% in tier |
| Return on Assets ? |
1.52%
+10.7% YoY
+1.2% QoQ
|
+0.19% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
3.54%
-1.0% YoY
+0.2% QoQ
|
-0.45% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
56.71%
-5.3% YoY
-2.3% QoQ
|
-7.77% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? | 1.88% | +0.96% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.9% in tier |
| Loan-to-Deposit Ratio ? |
47.35%
-5.2% YoY
+6.1% QoQ
|
-30.60% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 7.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.21%
+1.6% YoY
+0.3% QoQ
|
+6.18% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? | 0.78% | +0.11% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
14.65%
-0.8% YoY
+2.6% QoQ
|
-1.26% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.21%
+4.3% YoY
+99.4% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
55% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.2%
+0.4pp YoY +0.1pp QoQ |
+6.1pp | 22.1% | 29.2% | 22.2% | 76% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.8%
+1.2pp YoY -0.6pp QoQ |
+14.3pp | 11.6% | 14.8% | 12.5% | 94% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 32.6% | 25.8% | 31.3% | n/a |
| Consumer |
12.9%
+0.5pp YoY +0.4pp QoQ |
+8.8pp | 4.1% | 4.7% | 5.0% | 95% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
14.7%
-0.1pp YoY +0.4pp QoQ |
+2.5pp | 12.2% | 12.6% | 12.6% | 85% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY +1 (+7.1%) QoQ |
-44 | 58 | 186 | 482 | 4% |
| Assets per Employee ($) |
$9.5M
+1.2% YoY -10.2% QoQ |
+$2.0M | $7.5M | $10.1M | $8.8M | 83% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.9%
+1.7pp YoY +1.9pp QoQ |
+0.9pp | 0.9% | 1.0% | 1.0% | 86% |
| Allowance Coverage |
0.31x
-92.4% YoY -93.6% QoQ |
-23.84x | 24.15x | 18.82x | 20.23x | 4% |
| Net Charge-off Rate (YTD) |
0.3%
-0.4pp YoY -0.2pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
-0.9pp YoY 0.0pp QoQ |
+0.8pp | 12.2% | 13.2% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 27% |
| Net Income ($, YTD) |
$1.1M
+17.5% YoY — QoQ |
-$1.5M | $2.6M | $15.9M | $40.4M | 30% |
Get Full Access to Marion State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.