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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Marion, AL · FDIC certificate #14184
MARION COMMUNITY BANK is an FDIC-insured institution based in Marion, AL (FDIC certificate #14184). In its Q3 2026 Call Report it reported total assets of $365M, total deposits of $328M and net loans of $240M. Its primary federal regulator is FDIC.
Plain-language readout
MARION COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $365M in Q3 2026 and were lowest at $351M in Q1 2026.
Total deposits were highest at $328M in Q3 2026 and lowest at $320M in Q1 2026.
Over the whole period total assets rose 3.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $365M | $328M | $240M | 1.03% | 16.16% | 4.23% |
| Q2 2026 | $364M | $326M | $232M | 1.06% | 16.41% | 4.18% |
| Q1 2026 | $351M | $320M | $219M | 1.06% | 16.34% | 4.19% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $26.4M | $25.0M | +$1.4M | +5.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $80.3M | $82.4M | -$2.0M | -2.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $231.9M | $219.4M | +$12.5M | +5.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $11.9M | $11.0M | +$964K | +8.8% |
| Other real estate owned | $38K | $38K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $13.6M | $13.4M | +$253K | +1.9% |
| Total assets | $364.2M | $351.1M | +$13.1M | +3.7% |
| Liabilities | ||||
| Total deposits | $326.2M | $319.6M | +$6.5M | +2.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $13.0M | $7.0M | +$6.0M | +85.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.5M | $1.2M | +$328K | +27.5% |
| Total liabilities | $340.7M | $327.8M | +$12.9M | +3.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $133K | $133K | $0K | 0.0% |
| Surplus | $1.5M | $1.5M | $0K | 0.0% |
| Retained earnings | $33.1M | $32.4M | +$654K | +2.0% |
| Accumulated other comprehensive income | -$11.2M | -$10.8M | -$428K | -4.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.5M | $23.3M | +$226K | +1.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $5.4M | $2.6M | +$2.9M | +110.7% |
| Adjusted nonperforming assets | $5.4M | $2.6M | +$2.9M | +110.7% |
| Tangible equity plus allowance | $26.7M | $26.4M | +$340K | +1.3% |
| Texas ratio (gross) | 20.38% | 9.80% | +10.58 pts | See points |
| Texas ratio (adjusted) | 20.38% | 9.80% | +10.58 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.83% | 9.72% | +0.12 pts | See points |
| Construction and land loans to total capital | 76.82% | 81.01% | -4.19 pts | See points |
| Commercial real estate to total capital | 209.03% | 217.19% | -8.16 pts | See points |
| Dividend payout, year to date | 29.09% | 26.18% | +2.90 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -34.53% | -33.85% | -0.68 pts | See points |
| Liquidity | ||||
| Core deposits | $289.2M | $286.9M | +$2.2M | +0.8% |
| Non-core funding | $50.0M | $39.7M | +$10.3M | +25.9% |
| Loans to core deposits | 81.31% | 77.54% | +3.77 pts | See points |
| Loans to deposits | 72.08% | 69.61% | +2.48 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 47.90% | 40.56% | +7.35 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $50.0M | $39.7M | +$10.3M | +25.9% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.2M | +$1.1M | +94.9% |
| Earnings before provision, single quarter | $1.1M | $1.2M | -$61K | -5.1% |
| Provision for credit losses, year to date | $372K | $237K | +$135K | +57.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.11% | 7.12% | -0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 3.59% | 3.60% | -0.00 pts | See points |
| Total interest income to average assets | 5.41% | 5.35% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.51% | 0.18% | +0.32 pts | See points |
| Cost of savings and money market deposits | 1.13% | 1.17% | -0.04 pts | See points |
| Cost of time deposits | 3.25% | 3.22% | +0.03 pts | See points |
| Total interest expense to average assets | 1.56% | 1.52% | +0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $365M | $328M | $240M | 1.03% | 16.16% | 4.23% |
| 2026-06-30 | $364M | $326M | $232M | 1.06% | 16.41% | 4.18% |
| 2026-03-31 | $351M | $320M | $219M | 1.06% | 16.34% | 4.19% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $317.4M | 0.22% | 62 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.