Marion State Bank: how it compares with its peers
Against 106 TX banks with half to twice its assets, Marion State Bank's strongest measure in Q2 2026 is assets per employee ($9.5M vs. a $6.3M peer median). Its weakest relative measure is net interest margin (3.54% vs. 4.10%).
| Measure | Marion State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.52% | 1.40% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.54% | 4.10% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.71% | 64.60% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.5M | $6.3M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 47.35% | 62.59% | Context |
What it means for lending operations
Its efficiency ratio of 56.71% is better than the 64.60% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Spur Security Bank Spur, TX · $141M
- Peoples State Bank Rocksprings, TX · $140M
- First State Bank of Brownsboro Brownsboro, TX · $140M
- The American National Bank of Mount Pleasant Mount Pleasant, TX · $145M
- Texas National Bank Sweetwater, TX · $139M
- The Buckholts State Bank Buckholts, TX · $139M
Questions about Marion State Bank
How big is Marion State Bank?
Marion State Bank, established in 1906, is headquartered in Marion, TX. It reported $142M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Marion State Bank's return on assets?
1.52% annualized in Q2 2026, against a 1.40% median for 106 TX banks with half to twice its assets, ahead of 58% of them.
What is Marion State Bank's efficiency ratio?
56.71% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 64.60%, and lower is better.
Is Marion State Bank growing its loans?
Net loans shrank 6.4% over the year to Q2 2026, while deposits shrank 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.