BlastPoint's Banking Scorecard

Marion State Bank

$100M-$1B Specialty: Commercial LA FDIC cert 9320

Marion, LA

6 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Marion State Bank has 2 strengths but faces 2 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

+ Net Interest Margin 0.77% above tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- ROA 0.17% below tier average
- Efficiency Ratio 6.16% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$240.2M +4.9% YoY +3.9% QoQ	-$145.9M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	35%
Total Loans ?	$161.3M +6.0% YoY -0.7% QoQ	-$94.4M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$210.3M +4.8% YoY +5.6% QoQ	-$117.6M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	37%
Return on Assets ?	1.10% +105.3% YoY +35.8% QoQ	-0.17%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	4.70% +12.2% YoY +1.1% QoQ	+0.77%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 13.1% in tier
Efficiency Ratio ?	71.44% -14.4% YoY -7.7% QoQ	+6.16%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	29%
Delinquency Rate ?	0.39% -70.3% YoY +5.0% QoQ	-0.49%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	76.67% +1.2% YoY -5.9% QoQ	+0.03%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	25.67% +4.9% YoY +0.9% QoQ	+3.65%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.29% -66.8% YoY -73.3% QoQ	-0.35%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	16.42% +1.4% YoY +2.7% QoQ	+0.59%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.16% +2.7% YoY -75.8% QoQ	-0.12%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	76%

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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 (2 metrics)

349

Net Interest Margin

profitability

Value: 4.70%

Peer Median: 3.93%

#349 of 2664 Top 13.1% in $100M-$1B

645

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#645 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available