Marion State Bank: how it compares with its peers

Marion, TX · FDIC cert 15355 · Q2 2026 call report · 106 peers (TX banks with half to twice its assets)

Total assets
$142M
Loan growth (YoY)
-6.4%
Deposit growth (YoY)
-1.2%
Offices
1
Established
1906

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%).

MeasureMarion State BankPeer medianRank
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$6.3MTop 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

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.

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