# MARION NATIONAL BANK
MARION, KS · FDIC certificate 4728 · 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 | $35.4M | |
| Deposits | $29.8M | |
| Loans and leases | $17.5M | |
| Total equity | $5.3M | |
| Loans / deposits | 57.97% (p27 of band) | 73.59% |
| Liquid assets / assets | 44.77% (p71 of band) | |
| Uninsured deposits / deposits | 11.74% (p20 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.70% (p52 of band) | |
| FHLB advances / assets | 0.70% | |
| Tier 1 leverage | 12.99% (p63 of band) | 11.76% |
| Unrealized securities loss / equity | -4.27% (p60 of band) | -6.57% |
| AOCI / equity | 0.07% (p88 of band) | |
| ROA (annualized) | 1.24% (p55 of band) | 1.17% |
| Net interest margin | 4.22% (p65 of band) | 3.93% |
| Efficiency ratio | 63.85% (p45 of band) | |
| Noncurrent loans | 0.29% (p46 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 440.00% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $20,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.4% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking |
| 2012-09 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2012-12 | 2 |  |  |
| 2013-03 | 0 |  | deposits shrinking, assets shrinking |
| 2013-06 | 4 | capital falling, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2013-09 | 1 |  | capital falling, deposits shrinking, assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 2 |  | deposits shrinking, assets shrinking |
| 2015-06 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 5 | expense ratio p90, assets shrinking |  |
| 2016-09 | 2 |  | reserve under noncurrent, uninsured deposits leaving, assets shrinking |
| 2016-12 | 1 |  | deposits shrinking |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 1 | securities losses >30% of equity | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 1 | capital falling | securities losses >30% of equity |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 1 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2026-06 | 1 |  | uninsured deposits leaving |

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

- 2025-05-10 [Matthew H Classen Obituary May 10, 2025 - Yazel-Megli Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9OQUd0LVFyRGprdUtQU24ybnFya2FxN0NqYnNRcGZ6R29wV185a2pjcWtlWmdXZ0N4MWoyT05Nbkp3YTVFZVJ3cVhreExuVnlqcVZWdTRjdEFNbGpjYThpQ3dCWW84Zw?oc=5) · Yazel-Megli Funeral Home
- 2026-01-17 [Larry Dean Loomis Obituary (2026) - Marion, KS - Yazel-Megli Funeral Homes - Marion - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxONXJVdkhqOVpEMXNXcVl5dGdIZXc0Mjk4aWRfY1psTHcwYWdhdklRN25HWlhVQlRDNXlmQXFRNkh3NV9ScGVtTjBSamZkYWJrYUtLSVBZYllpZk5YVW1yTXU0RVB5RkVKUWEzRFl4dnRsTXp0TXQ0Z3BsN21qVG5OdQ?oc=5) · legacy.com
- 2016-09-07 [Mr. and Mrs. Mathew Classen - Southwest Times Record](https://news.google.com/rss/articles/CBMivAFBVV95cUxQRElYMjEtcUpIN2h4ZndJMGJWbDRMTXJ2TG5veXFVOHNFSnotaWV2andmanVRbTlvOXU4cGlPUnV1czJMQk9OcWdNcTJaUmZ2bEFwZ2J3MXZxc245NHNVUnZ6X3NGMnRkcmpTMXBKTC1wV3VMQzhvT3QxTGp6WEowNFJWUkNuSVJIVGk0Z2pFN0Y0R0sxU2pKRzFPdjJ5LWV3a0V3Tlk5Y2U2LW9oenhULUF1Und5T19tNFhRcQ?oc=5) · Southwest Times Record
- 2021-08-20 [New apartments open downtown - Chronicle-Tribune](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNTjRzelZqdEE0NW5EMl9qVzhhWXJuM0ZLNzctNkZRcXhuYjdZU2U2d29vV1dIMDJRWVdGOUxKTXhINk1UX3dnZFhJWjh4RUFJWUpsd2gwU1lobWtQUFRLQzVBYWJBdlB5ZS1ZaGwzUjlPM2NwaU5LVU94cGUzYWEtWURxRU9DZG5sUEtPZkZPOXl0QzB0YWFLaXozTjRtXy1ub19PdWJTalhXQW5oTW1IcUtWZ2lPSWhr?oc=5) · Chronicle-Tribune
- 2025-07-30 [A Look Back: Blackford County’s only death penalty - Hartford City News Times](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQOXhIWEdid1U5WFhUbFcwbnVRUk50SzEzZVRfQVlPSlV0UWxFcFVHRG5paWQzRE44aEN0OEt0cFFPV01QSHlvWUJHYVVuN2ZRaDJRaXNCc09zMkhBcUxJbHZSU0QzY1FMWUNVd1FIRDZrU040aDU4QXBYTFFUYzloekZpNmtEMHVTR2N3ZzJiV0cyZGFCQlRZNzBDc2NjZmd6U05CN0tiWkhGNl9GMWtHVWY0RHZMN0VQWllpVkZGcGFFUnVCOUtCM3FJc0FtQjZQSEltX05JeUxWZw?oc=5) · Hartford City News Times
- 2016-08-20 [Classens to celebrate 60th anniversary - Salina Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxPazNGejVsNjRQZDNrTEFnOVZOUDhXbkF2YXVRVm9ubWhXWGJmWEZMUXA4Z21nUHZGa2hwMzIyZTFYUlZtN2tIN0luMGRLWU85cGhoczFvRElUd2hMV3NneVU1MXlmMDdHNHAycHhiSWtNanA0SUhOMjRaNWFjVXQwY21PTmFka3JMT0dDUVktM2FyMjR2MWVhMjRWOWlzYnlUVTExSm9hQjNOOHNVMkJrQy15YWc?oc=5) · Salina Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4728 (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/56.json (key "4728", 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.

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