# MARION STATE BANK
MARION, TX · FDIC certificate 15355 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $142.0M | |
| Deposits | $124.0M | |
| Loans and leases | $59.1M | |
| Total equity | $17.0M | |
| Loans / deposits | 47.35% (p17 of band) | 73.59% |
| Liquid assets / assets | 54.25% (p82 of band) | |
| Uninsured deposits / deposits | 25.44% (p70 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.65% (p75 of band) | 11.76% |
| Unrealized securities loss / equity | -27.64% (p15 of band) | -6.57% |
| AOCI / equity | -2.04% (p12 of band) | |
| ROA (annualized) | 1.52% (p68 of band) | 1.17% |
| Net interest margin | 3.54% (p31 of band) | 3.93% |
| Efficiency ratio | 56.71% (p27 of band) | |
| Noncurrent loans | 1.87% (p84 of band) | 0.36% |
| Net charge-offs (annualized) | 0.11% (p87 of band) | |
| Reserve coverage of noncurrent | 31.28% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 10.52% (p39 of band) | |
| Auto loans | $4.3M (7.27% of loans; DQ 1.70%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.2% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2024-10-01 [Small Town, Big Problems: City of Marion Faces Financial Disarray, Paralyzed Council - thetexan.news](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQTnpjZHc3d1BMeWxlQkN6THNvdjFtM3R2ZkZNYktkMENyOTBDUzlPbGo2ZFZJd2dWSDBnS21Cam94WUVNb3ZaQjl5eG56OThRT0t0WG1ZZ3dnVl96ZUlzazI5enVfU1hNdy1VdEg4ZDNsVktmZnZ1eUxBZ1pRVG5PT0JUeFc0UnVjZDlkQVVUdWI5enFwMUEwYzIySTcxRVhmRzFnaUxKTlBSNHkzRFJtR256aHUxT0FEODExQVZpM2Q3N0lXWFdsN2Vjd3JvRUh6czBFazhFVFJQYmg1RW84SmVrWTdVSElOZFU2MHp3V0N0WjgwUVRHa3FXdGlBQzA?oc=5) · thetexan.news
- 2023-09-26 [William E. Seiler Obituary Sep 26, 2023 - Schertz Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTFBuUEtzS0dHUzRybElIbkpEdlNEeC1LTEpObUtQRlNQRmZLRnI3a25Bam0xYjhCaDlIT1pSOXYwRWRPN2NCLVpWWDBvYXkzRS1UUGZ6ZDg0NFRId2pXOWFnUWhmNmFmMXFXMzV3SA?oc=5) · Schertz Funeral Home &amp; Crematory
- 2013-06-04 [Marion honors teachers of the year - MySA](https://news.google.com/rss/articles/CBMirAFBVV95cUxQV1ZrVzRaUlpVMXlzNUIyTUtOUElYTlpEd2tQNHFvMHFfcUxJd3IzbExqSTZKZlktNlMtMC1OMlN4YWRwNTJTMGlEZVNFRDlfaExFVDlkLXU5aUlPVmFkZGR0Z0lFTGZZNWMzbXQyV2NJQ1RwRWtIQ195bW1PZEkxNGtEWkJZbFlIS3lRejJibGdLUGVsdFhNQ19OWGdOMy1od2NGdDRSeVB5Vm40?oc=5) · MySA
- 2019-01-31 [Mary Johnson - The Post-Crescent](https://news.google.com/rss/articles/CBMiXkFVX3lxTE9oLURRVlM4Nk1xb3hySWdLLXdVOWtoYzU1bkJ6a1NnSThodEtPVGRKNnRDVE56R0hNcTREU0k2bHd2WnE1ZEFDejRUYnJObGcwUDBOdDl1eE4yckRiYVE?oc=5) · The Post-Crescent
- 2019-11-06 [Steam engine rolls through county on way to Houston - Seguin Gazette](https://news.google.com/rss/articles/CBMizgFBVV95cUxNeUVTaVRWdTdvdHgtTFozcEVmczhWWDFxR2hpQmR5YkZ3X3FqR3NUNENwT1U4X3lzb3NMTUVGTlREZVp6ZXdHd3VCay1nNmhDdk1jNXdIS0ZmbVVGblBqZVNsRFVnRl83TF9GdTRQMG9Pd29QT3ZyVkhtT1NqMEU3WkFoRC1nRlFhaDZ0NnktNFItY19QbmpZRnBmWm5QWGlNOHNOLTFhSU5sUXVCR2NNMldvVmRDdXBhRWJMMll2UkM3MU0wWURvcU44b05qQQ?oc=5) · Seguin Gazette
- 2025-07-02 [Framing the Future: Local employees spend the day on the job helping others - Seguin Today](https://news.google.com/rss/articles/CBMirwFBVV95cUxQNVFyQzBqVjR0OWxxZ0o3TGxBd0hsUGlvVUpzOE1OYnRhcTlmOU1EUUg1djhabjZOWlZXUlVOUktscnhNN0pzZWZQdEE3TEJCS0F3ZkNrZkV5Q2E1T0tYSWxYQUlyaHNwNmlpUnVod25tMVFWVTc1b0VYMWN1Z0I1enlCdnd2WUJldDVMYjJzbDBlMjlmU0NNSkloQ1cycjV2M211ZVc2bnREN3RxTUZN?oc=5) · Seguin Today
- 2019-07-26 [Anna Mulkey Obituary - El Dorado, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZDRRX2tPc0N6ang5VW1abHpKVzBrSlRNRFlnd3hUTUxLVDdYQl9NbnVmRnBiX0JJejFRTlN1cVZFWGtfRjJUbWhVaXY5RHRyNmpBNk5XX2kzMU93NjNMRkE2cTY3ajZXY3BmWkRTU0xkMmxYNzg3d0ZxZEtQdUw2SA?oc=5) · Dignity Memorial
- 2020-02-08 [Myrtle Staats Obituary Feb 8, 2020 - Schertz Funeral Home & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE9mYjM5YWN6RC1LeWpUX2M1N3p4ek52Yy1KNU41Qko4VVJfWUhZbkNnRU81ek9KTlpKZ2drcGRCczRpSUlyYkE2UzdWa1Iybk5mRnA1RWhHSUJhb29QMzl4VmxPUXJqdlhiM0ZV?oc=5) · Schertz Funeral Home &amp; Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15355 (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/59.json (key "15355", 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