# MARION COMMUNITY BANK
MARION, AL · FDIC certificate 14184 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $364.2M | |
| Deposits | $326.2M | |
| Loans and leases | $235.1M | |
| Total equity | $23.5M | |
| Loans / deposits | 71.10% (p27 of band) | 82.04% |
| Liquid assets / assets | 29.30% (p63 of band) | |
| Uninsured deposits / deposits | 21.22% (p33 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.57% (p51 of band) | |
| FHLB advances / assets | 3.57% | |
| Tier 1 leverage | 9.83% (p30 of band) | 10.81% |
| Unrealized securities loss / equity | -50.99% (p4 of band) | -8.10% |
| AOCI / equity | -0.71% (p32 of band) | |
| ROA (annualized) | 1.06% (p36 of band) | 1.28% |
| Net interest margin | 4.18% (p66 of band) | 3.91% |
| Efficiency ratio | 70.15% (p74 of band) | |
| Noncurrent loans | 2.30% (p91 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p5 of band) | |
| Reserve coverage of noncurrent | 59.31% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 123.92% (p94 of band) | |
| Auto loans | $4.8M (2.06% of loans; DQ 0.02%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | deposits shrinking | reserve under noncurrent |
| 2015-03 | 1 | charge-offs p90 | deposits shrinking |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 4 | charge-offs p90 |  |
| 2020-09 | 5 | expense ratio p90 |  |
| 2020-12 | 5 | losing money | expense ratio p90 |
| 2021-03 | 2 |  | capital falling, charge-offs p90, losing money |
| 2021-06 | 5 | losing money, expense ratio p90, charge-offs p90 |  |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity | losing money, charge-offs p90 |
| 2022-06 | 5 |  |  |
| 2022-09 | 7 | capital falling, construction >100% equity |  |
| 2022-12 | 8 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2023-03 | 5 |  | AOCI drag >20% of equity, deposits shrinking, uninsured deposits leaving |
| 2023-06 | 5 |  |  |
| 2023-09 | 6 | AOCI drag >20% of equity, uninsured deposits leaving | expense ratio p90 |
| 2023-12 | 4 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 | uninsured deposits leaving | reserve under noncurrent |
| 2024-09 | 3 |  | uninsured deposits leaving |
| 2024-12 | 3 | capital falling | noncurrent p90 |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 5 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 4 |  | reserve under noncurrent |
| 2026-03 | 2 |  | losing money, charge-offs p90 |
| 2026-06 | 4 | noncurrent p90, reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-28 [Bank moving location from Montgomery to Pike Road - WAKA 8](https://news.google.com/rss/articles/CBMiigFBVV95cUxOOXRWb0Y0MUU3Sm16QkNzTXhzVVNmZ3lRSFlzT3B0bjJiNnNKUGp4X2hBaXJWYUVNTnQxbHpCRkk0azlDT0VsVUVid3B3bmVKSW1jUl9Wb1Z5a0s2WkppSEk3allWbnJEXzVRYTNxckkyRFJkakxYckZnYnlkU2tSUUxzVUhOLTBpb0E?oc=5) · WAKA 8
- 2024-05-09 [Local banks help the people they serve - Business Alabama Magazine](https://news.google.com/rss/articles/CBMidkFVX3lxTE1qalBfQWFPNjdTRkR5R3JJUFNJVEs5REQwbzQyblRFUU5SWmZoQnQ2bEJmRTNVWGg1b1Y4ZTk2UnNRaS04dmJtcmpOM2RJdUtMX2k2cGJXQUlYY1N3bHA2NzhGY1F3UHR3UFc5MDNscXR3cDlydGc?oc=5) · Business Alabama Magazine
- 2025-05-08 [New Alabama-based bank location soon will serve Pike Road area - Montgomery Advertiser](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQSXE2Tng2REVmbkNtUUo0YlpRNlcwVkVsTjdFaW5zeEI3LU5iMi1PUzJabVIyY1hVQnJWWWZxNHNFaWtCQWpBdnBWVU0yYUNvUkpQV3lsWlEzbTVWVjBzNndEb2RMRjVuTVplRUozSFNBWmRYT29TMllTdkpmMlhORVVUWU84VnR3WFVkZjQ3Z1N2U1AyM1NuOExvQWVFQ2hOXzJmcGljTWtEU3JYNHZXbmNGWVFiejI4WjJDeEJGSW9fUEJqV2M2bzF3eFY4a2xNQmlBVDNWT2xhZHVnNGNDYktpVl9Xb0t3dTQwcXZtcw?oc=5) · Montgomery Advertiser
- 2025-12-08 [Multiple banks blitzing Central Alabama with expansions - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTDF0V2VYbFNRWnZ4SlhBbnFhMWJmbVAzMjBPNDRtVXNSbzAxREZYLWhzeEJPUEdHUXlhUURGVUFVYXVxT2FoRTFvNjVVaEZJVmFidmlkcDd6V0NiejRISEhDWHFOaGFacnJKbmYteU9qSktKdnF5eXVUZzRzcjRadDg5NG8xeE1GRUF5OUlHelRCMGwwNF92ZkFEMng?oc=5) · The Business Journals
- 2023-09-29 [Marion Bank breaks ground on future Clanton branch - The Clanton Advertiser](https://news.google.com/rss/articles/CBMinAFBVV95cUxPM3pvT3ctN1lTWHJ2X2dXZFhuUTl5YXZ5S0h6NjR3cERYLVBQSE1lSTRsS3E1N2tXbHdkZEoxM2hSSzR2MUVDQ3lxdGlVWEQxTmRSWWs3d2R1bnRfdFU3UHNrSEFwcDYtbDIxczRoaWZ5WENQdGRpcEh6T2NEZWNpRWY3YS0wVjRuZDRPU0lwck1aMjdncGJ3YnotQmQ?oc=5) · The Clanton Advertiser
- 2025-06-03 [Main Street Marion opens tech hub downtown - blackbeltnewsnetwork.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQOHkzdmtnZXF6WHF0TjQtNXliWV9DUk9mdUF5OEpqZzJCTTRPN0drRFNKLWR6RmtUVy1VTEVnSzN4ZWoxdmhYTEhZQWo0VmM3Vko5TERxaU53UFFXT1I2N1h6Q3BnMFp3a1N4TmdnNXhmXzAxaHpHcF9BSUFfYmU0V253bndOcmIwSGpQRXNHRmdFd1RjNUR4dkdVNnZHOS0wUnFXanFRWWt2TnNDUlhWM3NrXzQtSW9sME1UTmk5T0NSZ09nZEtIY2tRNHZiWnFMT044Ug?oc=5) · blackbeltnewsnetwork.com
- 2024-06-28 [Fairhope's David Meredith joins Alabama Bankers Association board - Gulf Coast Media](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPY2h4VnEtdzlOSTJsVW01QlZlOFJ4UEFaQ1N6QzE3M1MwdVoteWRUbFRiRHl0UHo5a1hsNFRPd3hXOENkcUlRVG9VRDh5MnpxU2g5S2pfMUlHUVBKU3BIWnBvb2NSVjVnb3I2bXp2V0JwNFptc25qV3ItbDhBck1MOVEzb19Ba1JfamxTa0V6ZkI0aHBiQ053aDI1YU9Va29hV1hSNUZNczNwUQ?oc=5) · Gulf Coast Media
- 2025-07-23 [Branchless bank to build corporate office in Birmingham - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNRU9pdlB1ZG1LajQtVEF1UUlXc0xzTHdsNXI2MktvbTd0V000ODVDWVVOVVFOVlNnWWRoUW14Y0szcHBZeW5JMkljdlJaVE9KUlBucU5oQ0FiZTRGOW1BRl9jN212QXE4YklfM2huc1RaalF6WFRDODJfODJiR3ZPOUtjeHh6cHpKblVuWDFzaVNOYjdYS2NZ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14184 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "14184", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide