# MARION CENTER BANK
INDIANA, PA · FDIC certificate 7909 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $425.2M | |
| Deposits | $385.5M | |
| Loans and leases | $319.8M | |
| Total equity | $26.7M | |
| Loans / deposits | 82.16% (p50 of band) | 82.04% |
| Liquid assets / assets | 21.47% (p37 of band) | |
| Uninsured deposits / deposits | 11.22% (p6 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.69% (p46 of band) | |
| FHLB advances / assets | 0.39% | |
| Tier 1 leverage | 7.91% (p2 of band) | 10.81% |
| Unrealized securities loss / equity | -39.16% (p8 of band) | -8.10% |
| AOCI / equity | -1.47% (p13 of band) | |
| ROA (annualized) | 0.80% (p21 of band) | 1.28% |
| Net interest margin | 3.35% (p21 of band) | 3.91% |
| Efficiency ratio | 70.17% (p74 of band) | |
| Noncurrent loans | 1.01% (p73 of band) | 0.43% |
| Net charge-offs (annualized) | 0.10% (p84 of band) | |
| Reserve coverage of noncurrent | 93.76% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 30.19% (p37 of band) | |
| Auto loans | $1.2M (0.36% of loans; DQ 0.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 72 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2026-06-24 [Marion Center board passes budget for 2026-27 that includes 4.5% rise in taxes | News - Indiana Gazette Online](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNVnd4T29FWUQ5S0F5bktVazFTYW0zYS1NNDgwUFZFQ1B0LWJxZl9hZVlUYm9tNElpWk90V1VBNnpnWXJXSklEaGx6MWdaWVN0b0J4NW1sUFoxMDhsRS1nY0x6eVFhaHRoMVpGR19SMWc3MU9HRnNoQXRrVXlMRUM0TWRTZVQwNnpTQXBoUkYyVUNuVmxITW13UWlhYUVuWFZKQXVuQ0dBS1Jad2xvOEtkTmpNRTZlUWVzcWhFRnJ2NE9wMHF1Zk1LWTRGUlA3eHBTN3RHOWc0QWZscTZNMTdWc0JidzRKdEZjMXlxYXlRQW5FcnpteGc?oc=5) · Indiana Gazette Online
- 2026-07-27 [Water back, but sheriff's sale sign present, on downtown buildings - Indiana Gazette Online](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPMmhxTndEb3ZqSXlWdUFDQ3JYRGdhWWlDeHRReFhvMXpYdHU5aGNDdUlLTUlEMS02U0g3bTJvbkZzOU03QUt1SHpqTGNSMkVXSElyNFNjdlA3VG5qNUZrdnFZYS1rVU5QMmNmWlpwb05mUThGMW5aSHlLcmhHWDRRNTBaclFrSkxwUHpnSmZUZ2dtaFFfMXc0bkgwcTluaTJhNmVMRHFSQzg0R2x5UGI0ekgzTmRaV25aTlY2Q01td3ZrX29Cb1NseDZybWozeHZfRUUtMkdiU25aUGExNENIMDJPMUNUME9IXzNz?oc=5) · Indiana Gazette Online
- 2016-01-22 [GEORGE KARLHEIM - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMia0FVX3lxTE5uZjFYNlNyci0yRFBjT3lPcUs4M0VrWkk1MFprTko3eEVrVWNNUlE1d0hzQXJJMjlSaHhjUXJGQ2xiWUNtOHpzbWowcnlKZ2g4ZUYwbGZPTDlCVUdWNTVPd2VFNGZIendXTG1N?oc=5) · Pennsylvania Business Central
- 2025-09-04 [One arrested after bank robbery in Jefferson Co. - WJAC](https://news.google.com/rss/articles/CBMigwFBVV95cUxPbEtONVNvaFhoRjdKYVlUaFVTNG5YdVlUbmVYeTlhaVVBcW5HSzFOdjRSVjFSR003YVIxN1ctTGMzUmNOQ1Q1S2hidzdLc2RRa0xZWERjdDJKY1dMRjhXTVRrRUdheTNSbEQyTU4zXzRvMXZGSm5GVG1YdU4xNERacHFFYw?oc=5) · WJAC
- 2025-09-24 [Eye on Indiana: S&T, First Commonwealth say community ties drive banking success - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNN19uWmhCR3QtcUtPVXNsdnRNSGlzdDlZeVBoV3k2SFVieVprc3hxNG5ZdnR4THRwamVwdDV2UnZtOEdrNEl6RWs5ZW1MS3pibHdJcmhZeGNKU0xpN2o3QUl4Ym9ua1VRR0ZfYmJBSVhEYmMyeVFYYWdHbU1QV3dob1RMOHQyMmJxSDdIdzhiQzFYZVZ3ODJxNTVqcS1RZXNldDBpU3g3N2g?oc=5) · The Business Journals
- 2025-09-05 [State Police Investigating Bank Robbery in Big Run; Suspect in Custody - exploreJefferson](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNdDBBTzRrQ0xsSTh1VjRqZ0RXN0xJWlJDVU9mM1ptc2g3U2VGQkRIZUZMc2tzQ1I0YUhVQjY0Y1lnNV9Wb2ZYY2dFUzVTRkNNYWxvVmNFQ3RReWdmR2VlTWJHWmt2NWo4bDkzbmpvRVZxTnZJNmliamdqeGJlTGkyUzZUemh2M2xkZF9jcVBHQWJmY2hjRU9TLWJ4LUl2Q29vVnktb3U5ZEpJeDIyZEp1NVk5R1JRWUloOFBBcEdRZ0Y4emZLSk9hdg?oc=5) · exploreJefferson
- 2023-03-13 [How Pennsylvania banks compare to Silicon Valley Bank - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOTG5yd1FiWndKMkVmaGpJc1luM2Y3a3I1THhLR1lHak5aLUxpSkVKNGdWWkVNdE1WVnQ5THZWWElEWWtrMTJvWnRXdXo3ZVR5SllzTGp0ZzJVRzFLcEpYbFhQcGJlakYtY1FmWE5tczJmRW9PRUhSS09zaWdNVTJucFBZeDdiU21fRDYzV3ZNUTVjdXRUTlRObG130gGfAUFVX3lxTE5tVDF0YVgtQmJJSG5qWHAtNk9MR191VnpSRHNuYlgydWw4MmtVNlNRTTE1VmJEc2h5aFRCUWRGTGNUUHl4R2lkU3hZdjYwT0NWLVJidlhxdF9jeWZxS2k4VnBzMU5LNDJZVDZTY1hIMmpLdnZSdDBBb3B0R2xCSVRCMERLQTR4cDc4WXdqRkNGWW10eGZXbEhtVkFkWXNZbw?oc=5) · CBS News
- 2024-10-17 [PSP: Jefferson County man admits to 'pumping himself up' prior to bank robbery - WJAC](https://news.google.com/rss/articles/CBMingJBVV95cUxOd05wM3pHOEJNR21nTkFjdmJMbEIzbEZuMmtCSEY3VXY1bjU0QkM0Y3ZPQXo5U3E5Nnp5QUtJUDRHM0cxaHhpdTZGMEJjMUtKMEdrUVdvRUlyYnJDVFJRSld2Z1pUOVI2WEFKSDJRUWJWSjJrRlRJdTI1OW14dkdxNkdoT0l1amlVSXNlNk5Pb1NMVmVMYVR0dzB2WUZrOXFEam9IeGlvOFRDWkxwX0ltZkFYQm5lSks5NHNWaE9sVTcweGFzcG10ZXlqQTM2azVZXzJhVVR4TDhNX2hleGRBNDBhdUdsQVN3RVRFcExTRWlIZ3dXblZUTGl2QWhLZVludlNvbTZNZTlycFh4eXdBYjR2R2laLVowWGlSdHJR?oc=5) · WJAC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7909 (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/37.json (key "7909", 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