BlastPoint's Banking Scorecard
Marion County State Bank
Community
Specialty: Agricultural
IA
FDIC cert 15272
Pella, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Marion County State 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
- - Deposit Outflow: Bottom 40% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$648.5M
-0.7% YoY
-1.8% QoQ
|
-$743.0M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$488.4M
+3.7% YoY
+1.4% QoQ
|
-$487.1M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$553.3M
-0.9% YoY
+5.5% QoQ
|
-$611.3M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.42%
+43.6% YoY
+8.7% QoQ
|
+0.25% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.38%
+13.0% YoY
+1.2% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
53.06%
+0.1% YoY
-3.8% QoQ
|
-9.57% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.17%
-86.5% YoY
-33.2% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
88.27%
+4.6% YoY
-3.9% QoQ
|
+5.21% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
16.08%
-7.5% YoY
+3.0% QoQ
|
-4.96% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.19%
-81.0% YoY
-83.4% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.94%
+0.2% YoY
+1.5% QoQ
|
+2.70% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.65%
+33.8% YoY
+89.8% QoQ
|
-0.09% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Deposit Outflow
decline
#101 of 248 · Bottom 40% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
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
77
77th pctile
Efficiency Ratio
Current: 53.06% · Tier avg: 62.63%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
66
66th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.94% · Tier avg: 10.24%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.27% · Tier avg: 83.06%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.08% · Tier avg: 21.05%
29
29th pctile
Total Loans
Current: $488.4M · Tier avg: $975.5M
21
21th pctile
Total Deposits
Current: $553.3M · Tier avg: $1.2B
21
21th pctile
Total Assets
Current: $648.5M · Tier avg: $1.4B
Top Weaknesses
21
21th pctile
Total Assets
Current: $648.5M · Tier avg: $1.4B
21
21th pctile
Total Deposits
Current: $553.3M · Tier avg: $1.2B
29
29th pctile
Total Loans
Current: $488.4M · Tier avg: $975.5M
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.08% · Tier avg: 21.05%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.27% · Tier avg: 83.06%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.94% · Tier avg: 10.24%
66
66th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
73
73th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
77
77th pctile
Efficiency Ratio
Current: 53.06% · Tier avg: 62.63%