# MARION STATE BANK
MARION, LA · FDIC certificate 9320 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $237.4M | |
| Deposits | $207.1M | |
| Loans and leases | $173.9M | |
| Total equity | $28.2M | |
| Loans / deposits | 83.13% (p67 of band) | 73.59% |
| Liquid assets / assets | 21.77% (p26 of band) | |
| Uninsured deposits / deposits | 21.75% (p57 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.88% (p51 of band) | 11.76% |
| Unrealized securities loss / equity | -3.17% (p65 of band) | -6.57% |
| AOCI / equity | -0.56% (p42 of band) | |
| ROA (annualized) | 0.98% (p38 of band) | 1.17% |
| Net interest margin | 4.85% (p87 of band) | 3.93% |
| Efficiency ratio | 73.25% (p68 of band) | |
| Noncurrent loans | 0.90% (p68 of band) | 0.36% |
| Net charge-offs (annualized) | 0.08% (p85 of band) | |
| Reserve coverage of noncurrent | 111.46% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 46.08% (p77 of band) | |
| Auto loans | $2.2M (1.25% of loans; DQ 4.96%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 57 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-06 | 4 | charge-offs p90 |  |
| 2017-09 | 3 |  | charge-offs p90 |
| 2017-12 | 2 |  | assets shrinking |
| 2018-03 | 3 | assets shrinking |  |
| 2018-06 | 2 |  | assets shrinking |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | reserve under noncurrent | deposits shrinking |
| 2019-03 | 1 | capital falling | uninsured deposits leaving, reserve under noncurrent |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 2 | reserve under noncurrent |  |
| 2021-03 | 1 |  | reserve under noncurrent |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | reserve under noncurrent |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-05-18 [Gibsland Bancshares, Inc. to Acquire Marion State Bank - Lincoln Parish Journal](https://news.google.com/rss/articles/CBMingFBVV95cUxQQVktOElRenNBM292UF9uWW54eWRpdjh1MkdOY3FXQzA1TFJhUkdrSzVZM0l4Zjd5d0RHODMzUW9ZemVuN2VRbE52M3BXWjdyS1lFV19sYU9YZWIyWi1nN2VxMGloZnJpRVhpU0ljYTJsQkl0ZXNQams0UlZVd2M2NkdFU0IwVlp5MFZZZEF3cUlhQy1BeUc0Uk1FTGhxdw?oc=5) · Lincoln Parish Journal
- 2018-11-01 [Putting big bucks on the wall is a tradition with this North Louisiana family - Louisiana Sportsman](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSC1aVEdxeEpseVN1dW9PY2VocFg2OVFFbkJLTXdtbm8xVTZVT2phalhYazNTX3BLWUg5WUxYVzlqYzdxMHIyb0JiQkhKZElTeFdHeTlnRVg5QUN4OEZwVUdFb2ZRYUlXendrQmV0eEM1UHY4X0wwaXpwbWRFOERlS1ZMbk1kaFZIZDNaWg?oc=5) · Louisiana Sportsman
- 2019-08-28 [Monroe Chamber names Top 20 NELA young professionals - thenewsstar.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNcWtWX3JqUzh2VTlXZmU2N3p2eXlMSjl2VHZjYmFvZHczOUVmbVczemhabHdPc0ZKX25ZcXNwdjdEN0dHRWlEWVRveTBUVUVqU0pWQ2o3ZWp3bmlFU1ZDbFJmTjBSc1NDd29nV3UwR3gzWko5UjJ2MGgtdHE3cGtfMnNObFJfMGpwT1VBOE5SZ1BCa2ZXYVYxTFFmbnpyNHN1b19hNXN4MmZ3dkxQeUhUVW94VU0?oc=5) · thenewsstar.com
- 2024-03-07 [George “Bub” Vance Sehon - fgazette.com](https://news.google.com/rss/articles/CBMiV0FVX3lxTE5xR2VaUkNkelo1X09mcHdTR3haNG5pTE1EejVnNFRJQXM4TDk0WWw3bFllVy1CYnlJT3Y3NlFvdFcyem1KVW9DTzRLUXYyQ2lLNGhQNkg1VQ?oc=5) · fgazette.com
- 2019-07-26 [Anna Mulkey Obituary - El Dorado, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOZDRRX2tPc0N6ang5VW1abHpKVzBrSlRNRFlnd3hUTUxLVDdYQl9NbnVmRnBiX0JJejFRTlN1cVZFWGtfRjJUbWhVaXY5RHRyNmpBNk5XX2kzMU93NjNMRkE2cTY3ajZXY3BmWkRTU0xkMmxYNzg3d0ZxZEtQdUw2SA?oc=5) · Dignity Memorial
- 2018-06-12 [Martha Buffington Obituary Jun 12, 2018 - Mulhearn Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTE9UWWZvOVdaMXAydHhCWGgxSWhsbEdKMmthYnB6cWhFWFlwNE5NNy1WSExDZzlHc28wVnVIVHFzMTRDYmNURy1VS1RrZ0VxcFd1eFlSbzlNSFUyNjk5RGVZNUlORk5fZmpTd0l2dG0xWjE3QQ?oc=5) · Mulhearn Funeral Home
- 2020-05-18 [Bobby Green Obituary (1941 - 2020) - Farmerville, LA - The News Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOekVaVi1fZU9tdkFmR3otZ0tCOGtsdW1WbU9uaWdJZmhTSUpvVTBqMjZUTzFyRktvcmktVzRDeXR3UGxISVNzbWdBUzVhbFFIVmY2UkRTb09rWWE0eno0TGJpeXU3ME51aGlnbl81SWhBVW80UWVSV0NGa3l0c3RJd053ZFBEcmtMYXJONV9R?oc=5) · legacy.com
- 2015-02-19 [Largest class ever begins Leadership Ouachita - thenewsstar.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxOeXEtcDNReHBnYUNreXVNX25ia0tiQXctZnlHRzF2MVNhdHRyd3JvUzZ2VlhnVmg0QzZ2RzJGVXlJY0VnQlVBUmcyQ1N2OVBXMl9zQmlhckpGdkpYNkwxcGpKel9OdUFQSkNUV3BTNUt4dUxHTzl1UVkwUnNKbUdsQ19UNlltQnlqQW8wYTgza0d3SV9zVDBwa0hJSjdCZDZmVHNSZndBUVMtcWg1QjlPTg?oc=5) · thenewsstar.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9320 (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 "9320", 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