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The Bank of Marion

$100M-$1B Specialty: Other VA FDIC cert 9507

Marion, VA

17 branches across VA · TN

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 23 in VA.
  • Deposits +1.6% year over year ($535.9M on the books).
  • Delinquency rate 1.13%.
  • Return on assets 1.43%.
  • Efficiency ratio 63.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 81.26% 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 23 in VA
View $100M-$1B leaderboard (VA) →

The Bank of Marion has 3 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

  • + ROA 0.11% above tier average
  • + Net Interest Margin 0.33% above tier average
  • + Efficiency Ratio 1.37% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 44.5% in tier
  • - Delinquency Rate 0.21% above tier average
Get updates when The Bank of Marion releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $634.1M
+7.1% YoY +3.3% QoQ
+$247.5M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
83%
Total Loans ? $435.5M
+10.1% YoY +3.7% QoQ
+$177.2M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $535.9M
+1.6% YoY -2.6% QoQ
+$209.2M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 1.43%
+14.6% YoY +9.0% QoQ
+0.11% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 4.31%
+6.1% YoY +0.2% QoQ
+0.33% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 63.11%
-2.8% YoY -1.9% QoQ
-1.37% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
47%
Delinquency Rate ? 1.13%
-17.1% YoY -23.7% QoQ
+0.21% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 81.26%
+8.4% YoY +6.4% QoQ
+3.31% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
47%
Non-Interest-Bearing Deposit Share ? 22.03%
+2.6% YoY +3.7% QoQ
+0.00% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
55%
Nonperforming Asset Ratio ? 0.82%
-14.5% YoY -20.1% QoQ
+0.15% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 18.18%
+0.7% YoY -1.4% QoQ
+2.27% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.42%
-4.1% YoY +99.8% QoQ
-0.15% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 13.3% in tier

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 22.0%
+0.6pp YoY
+0.8pp QoQ
 -0.1pp 22.1% 26.2% 22.2% 54%
Brokered Deposits n/a n/a 7.9% 8.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 2.2%
-0.2pp YoY
-0.4pp QoQ
 -9.3pp 11.6% 11.0% 12.5% 7%
CRE 21.1%
-0.6pp YoY
+0.1pp QoQ
 -18.5pp 39.5% 46.9% 41.4% 20%
1-4 Family 69.0%
+1.6pp YoY
+0.2pp QoQ
 +36.4pp 32.6% 32.6% 31.3% 94%
Consumer 2.9%
-0.4pp YoY
-0.1pp QoQ
 -1.2pp 4.1% 8.0% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 18.2%
+0.1pp YoY
-0.2pp QoQ
 -0.6pp 18.8% 17.2% 19.7% 70%
Leverage Ratio 11.4%
+0.4pp YoY
0.0pp QoQ
 -0.8pp 12.2% 12.2% 12.6% 56%
Total Capital Ratio 19.2%
+0.1pp YoY
-0.3pp QoQ
 -0.7pp 19.9% 18.3% 20.8% 70%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 113
-4 (-3.4%) YoY
+3 (+2.7%) QoQ
 +54 58 1,956 482 91%
Assets per Employee ($) $5.6M
+10.9% YoY
+0.5% QoQ
 -$1.9M $7.5M $9.9M $8.8M 25%
Branch Count 17
0 YoY
0 QoQ
 +12 4 28 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.7%
-0.3pp YoY
-0.1pp QoQ
 +0.4pp 0.3% 0.2% 0.4% 88%
Nonaccrual 0.4%
+0.1pp YoY
-0.3pp QoQ
 -0.5pp 0.9% 0.7% 1.0% 50%
Allowance Coverage 0.83x
+10.4% YoY
+21.4% QoQ
 -23.33x 24.15x 9.47x 20.23x 22%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.2% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 15.9%
+0.2pp YoY
+1.2pp QoQ
 +3.7pp 12.2% 12.0% 11.6% 72%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.7% 1.7% 16%
Net Income ($, YTD) $4.4M
+20.8% YoY
— QoQ
 +$1.9M $2.6M $137.1M $40.4M 84%

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 (1)

Liquidity Overhang

risk
#331 of 742 • Bottom 44.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.18%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 81.26%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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 (5 metrics)

352
Non-Interest Income / Assets
revenue_mix
Value: 0.42%
Peer Median: 0.57%
#352 of 2643 Top 13.3% in $100M-$1B
451
Total Assets
size
Value: $634.07M
Peer Median: $386.57M
#451 of 2643 Top 17.0% in $100M-$1B
453
Total Deposits
size
Value: $535.92M
Peer Median: $326.73M
#453 of 2643 Top 17.1% in $100M-$1B
462
Total Loans
size
Value: $435.51M
Peer Median: $258.35M
#462 of 2643 Top 17.4% in $100M-$1B
489
Tier 1 Capital Ratio
capital
Value: 18.18%
Peer Median: 15.91%
#489 of 2643 Top 18.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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