BlastPoint's Banking Scorecard
Marion State Bank
Marion, LA
6 branches across LA
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 73 in LA.
- Deposits +7.1% year over year ($207.1M on the books).
- Delinquency rate 0.91%.
- Return on assets 0.98%.
- Efficiency ratio 73.25% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.13% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Marion State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.86% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency Ratio 8.77% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$237.4M
+6.7% YoY
-1.2% QoQ
|
-$149.2M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$172.2M
+9.2% YoY
+6.7% QoQ
|
-$86.2M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$207.1M
+7.1% YoY
-1.5% QoQ
|
-$119.6M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
0.98%
+46.1% YoY
-10.9% QoQ
|
-0.34% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
4.85%
+10.1% YoY
+3.2% QoQ
|
+0.86% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Top 10.7% in tier |
| Efficiency Ratio ? |
73.25%
-9.1% YoY
+2.5% QoQ
|
+8.77% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.91%
-29.0% YoY
+132.1% QoQ
|
-0.01% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
83.13%
+1.9% YoY
+8.4% QoQ
|
+5.17% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
25.30%
+1.6% YoY
-1.4% QoQ
|
+3.27% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.66%
-27.5% YoY
+126.1% QoQ
|
-0.01% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
16.07%
-0.6% YoY
-2.1% QoQ
|
+0.17% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.30%
-6.6% YoY
+93.5% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
73% |
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 (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.3%
+0.4pp YoY -0.4pp QoQ |
+3.2pp | 22.1% | 24.6% | 22.2% | 67% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.5%
-0.5pp YoY +0.6pp QoQ |
+4.9pp | 11.6% | 12.6% | 12.5% | 81% |
| CRE |
38.1%
+3.2pp YoY -0.2pp QoQ |
-1.4pp | 39.5% | 44.9% | 41.4% | 49% |
| 1-4 Family |
30.4%
+0.4pp YoY +0.6pp QoQ |
-2.3pp | 32.6% | 34.2% | 31.3% | 52% |
| Consumer |
3.2%
-0.4pp YoY 0.0pp QoQ |
-0.9pp | 4.1% | 4.2% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.1%
-0.1pp YoY -0.4pp QoQ |
-2.8pp | 18.8% | 22.5% | 19.7% | 58% |
| Leverage Ratio |
11.9%
-0.1pp YoY -0.2pp QoQ |
-0.3pp | 12.2% | 13.4% | 12.6% | 63% |
| Total Capital Ratio |
17.0%
-0.1pp YoY -0.3pp QoQ |
-2.9pp | 19.9% | 23.6% | 20.8% | 57% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
57
-1 (-1.7%) YoY -2 (-3.4%) QoQ |
-2 | 58 | 114 | 482 | 60% |
| Assets per Employee ($) |
$4.2M
+8.6% YoY +2.3% QoQ |
-$3.4M | $7.5M | $6.8M | $8.8M | 6% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 9 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.9%
-0.4pp YoY +0.5pp QoQ |
0.0pp | 0.9% | 1.4% | 1.0% | 69% |
| Allowance Coverage |
1.11x
+32.7% YoY -57.6% QoQ |
-23.04x | 24.15x | 27.36x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.3%
+2.4pp YoY -1.1pp QoQ |
-3.9pp | 12.2% | 12.5% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 57% |
| Net Income ($, YTD) |
$1.2M
+53.4% YoY — QoQ |
-$1.4M | $2.6M | $5.1M | $40.4M | 32% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.