BlastPoint

BlastPoint's Banking Scorecard

Marion Center Bank

$100M-$1B Specialty: Commercial PA FDIC cert 7909

Indiana, PA

7 branches across PA

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 55 in PA.
  • Deposits +0.6% year over year ($385.5M on the books).
  • Delinquency rate 1.02%.
  • Return on assets 0.80%.
  • Efficiency ratio 70.17% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.16% 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 55 in PA
View $100M-$1B leaderboard (PA) →

Marion Center Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 21.3% in tier
  • - Flatlined Growth: Bottom 23.4% in tier
  • - ROA 0.52% below tier average
  • - Net Interest Margin 0.64% below tier average
  • - Efficiency Ratio 5.69% above tier average
Get updates when Marion Center Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $425.2M
+0.2% YoY +0.8% QoQ
+$38.6M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $316.7M
+1.9% YoY +3.0% QoQ
+$58.4M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
70%
Total Deposits ? $385.5M
+0.6% YoY +0.2% QoQ
+$58.7M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
68%
Return on Assets ? 0.80%
+34.0% YoY -5.3% QoQ
-0.52% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
23%
Net Interest Margin ? 3.35%
+11.7% YoY +0.2% QoQ
-0.64% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
21%
Efficiency Ratio ? 70.17%
-7.4% YoY -0.9% QoQ
+5.69% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 1.02%
+63.4% YoY -25.1% QoQ
+0.10% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 82.16%
+1.2% YoY +2.8% QoQ
+4.21% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 19.87%
-3.8% YoY -2.0% QoQ
-2.16% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 0.76%
+66.0% YoY -23.5% QoQ
+0.09% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 12.03%
+8.6% YoY -0.1% QoQ
-3.88% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.16%
+2.1% YoY +123.9% QoQ
-0.41% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
37%

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 (PA) National Avg Tier Percentile
Noninterest-Bearing 19.9%
-0.8pp YoY
-0.4pp QoQ
 -2.3pp 22.1% 18.7% 22.2% 45%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 15.3%
+0.2pp YoY
+0.3pp QoQ
 +3.8pp 11.6% 8.6% 12.5% 77%
CRE 33.1%
-0.6pp YoY
-0.2pp QoQ
 -6.5pp 39.5% 37.9% 41.4% 40%
1-4 Family 45.6%
+1.5pp YoY
+0.2pp QoQ
 +13.0pp 32.6% 47.8% 31.3% 78%
Consumer 2.8%
-0.7pp YoY
-0.1pp QoQ
 -1.3pp 4.1% 3.8% 5.0% 58%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 12.0%
+0.9pp YoY
0.0pp QoQ
 -6.8pp 18.8% 22.3% 19.7% 18%
Leverage Ratio 7.9%
+0.6pp YoY
+0.1pp QoQ
 -4.3pp 12.2% 13.2% 12.6% 2%
Total Capital Ratio 13.1%
+1.0pp YoY
0.0pp QoQ
 -6.8pp 19.9% 23.3% 20.8% 17%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 72
0 YoY
0 QoQ
 +13 58 299 482 72%
Assets per Employee ($) $5.9M
+0.2% YoY
+0.8% QoQ
 -$1.6M $7.5M $9.2M $8.8M 32%
Branch Count 7
0 YoY
0 QoQ
 +2 4 20 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.4pp YoY
-0.2pp QoQ
 +0.1pp 0.3% 0.2% 0.4% 81%
Nonaccrual 0.6%
0.0pp YoY
-0.1pp QoQ
 -0.4pp 0.9% 0.9% 1.0% 56%
Allowance Coverage 0.94x
-36.1% YoY
+29.3% QoQ
 -23.22x 24.15x 3.63x 20.23x 25%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 12.9%
+1.2pp YoY
-0.8pp QoQ
 +0.7pp 12.2% 10.2% 11.6% 55%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 55%
Net Income ($, YTD) $1.7M
+34.4% YoY
— QoQ
 -$870K $2.6M $18.2M $40.4M 46%

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 (2)

Credit Risk Growth

risk
#200 of 936 • Bottom 21.3% 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 | QoQ rank improving

Flatlined Growth

risk
#125 of 529 • Bottom 23.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.80%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2076
Net Interest Margin
profitability
Value: 3.35%
Peer Median: 3.99%
#2076 of 2643 Bottom 21.5% in $100M-$1B
2031
Return on Assets
profitability
Value: 0.80%
Peer Median: 1.32%
#2031 of 2643 Bottom 23.2% in $100M-$1B
Powered by BlastPoint © 2026