BlastPoint's Banking Scorecard
Marion Community Bank
Micro
Specialty: Commercial
AL
FDIC cert 14184
Designations: ✓ Community bank
Marion, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Marion Community Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$350.2M
+1.4% YoY
+0.5% QoQ
|
+$132.7M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$218.7M
+14.0% YoY
-0.7% QoQ
|
+$79.5M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$319.6M
+0.3% YoY
+0.1% QoQ
|
+$135.9M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
-0.06%
-110.9% YoY
+78.4% QoQ
|
-1.15% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
3.80%
+22.4% YoY
+3.0% QoQ
|
-0.05% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
73.81%
-10.3% YoY
-2.0% QoQ
|
+6.08% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
1.18%
-26.1% YoY
-9.4% QoQ
|
+0.54% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
68.42%
+13.7% YoY
-0.8% QoQ
|
-6.10% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
25.98%
+4.3% YoY
-0.1% QoQ
|
+3.58% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.77%
-15.2% YoY
-9.8% QoQ
|
+0.31% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.55%
+13.5% YoY
+31.7% QoQ
|
-0.01% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.06%
(Tier avg: 1.08%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Total Deposits
Current: $319.6M · Tier avg: $183.7M
80
80th pctile
Total Assets
Current: $350.2M · Tier avg: $217.5M
78
78th pctile
Total Loans
Current: $218.7M · Tier avg: $139.2M
74
74th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 25.98% · Tier avg: 22.39%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.42% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
31
31th pctile
Efficiency Ratio
Current: 73.81% · Tier avg: 67.73%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.45%
25
25th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.64%
6
6th pctile
Return on Assets
Current: -0.06% · Tier avg: 1.08%
Top Weaknesses
6
6th pctile
Return on Assets
Current: -0.06% · Tier avg: 1.08%
25
25th pctile
Delinquency Rate
Current: 1.18% · Tier avg: 0.64%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.45%
31
31th pctile
Efficiency Ratio
Current: 73.81% · Tier avg: 67.73%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.42% · Tier avg: 74.53%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 25.98% · Tier avg: 22.39%
74
74th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
78
78th pctile
Total Loans
Current: $218.7M · Tier avg: $139.2M
80
80th pctile
Total Assets
Current: $350.2M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $319.6M · Tier avg: $183.7M