# BANK OF MARION
MARION, VA · FDIC certificate 9507 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $634.1M | |
| Deposits | $535.9M | |
| Loans and leases | $439.6M | |
| Total equity | $58.5M | |
| Loans / deposits | 81.26% (p48 of band) | 82.04% |
| Liquid assets / assets | 24.06% (p48 of band) | |
| Uninsured deposits / deposits | 13.71% (p10 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.49% (p60 of band) | |
| FHLB advances / assets | 3.94% | |
| Tier 1 leverage | 11.37% (p61 of band) | 10.81% |
| Unrealized securities loss / equity | -29.88% (p13 of band) | -8.10% |
| AOCI / equity | 2.00% (p98 of band) | |
| ROA (annualized) | 1.43% (p60 of band) | 1.28% |
| Net interest margin | 4.31% (p74 of band) | 3.91% |
| Efficiency ratio | 63.11% (p56 of band) | |
| Noncurrent loans | 1.12% (p76 of band) | 0.43% |
| Net charge-offs (annualized) | 0.10% (p84 of band) | |
| Reserve coverage of noncurrent | 82.82% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 29.56% (p36 of band) | |
| Auto loans | $2.3M (0.53% of loans; DQ 5.08%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 113 | |

## 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 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | charge-offs p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | noncurrent p90 |  |
| 2016-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2017-03 | 1 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | charge-offs p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | reserve under noncurrent | capital falling |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | reserve under noncurrent |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | securities losses >30% of equity |

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

- 2014-08-17 [Bank of Marion and First Southern Bank come together - Southern Illinoisan](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNU2xDcVFUUjRxdGg3NU9tV0daMDdOQkJ6LXZiZjB4NnhvLVB6aEFoNEN1bWRFT0lULUFDa3BIWk5GNExMRlQtZWNOTlp6X1RtMy1rMnRYTXFBTEYtRFNwTHQwWlRfalVzRUlsZDY4b0tDVDZab25hbTJhaHg4QlkySUlZbHBWaWlQWEV1a3hEa2RzNmlGUFdSUzEwM2JCd1dYRHhQbVRMT1lIUlZrcFo2TktkTDg2MTM0RENDUHg3UGVseWd5d1N3SDRiNjZRWXBaVDNoYmdycm1RYl9ySDB6dEJDWmxuS3dBWGliLXljdFExbWs?oc=5) · Southern Illinoisan
- 2023-04-10 [The Toaster Effect: Free Gifts Can Boost New Account Openings by 15% or More - The Financial Brand](https://news.google.com/rss/articles/CBMizwFBVV95cUxNUlBjRzQxZnpYZHhOYzRTWlJ3ZEhjS2NQOFdTWGNweHcyUjRua3ZpdUV0el9SelMxUkJsalRQeTFIMFRrcjVRUW51SmRnZm1hU3JwTDlSMDNWRkFLdnBFZEFjbGdVQUE0cEMxaVR0aWRBeFU1Z0FnUjhpa0ZsVTRLUEkxQ05PS09pWDlFeHEtZEJKWXpaampxQ0tMaHZ2OFBzRS02YXdySDA5V2h3VVdMcWg2aWtDd1FwX2JRcVYwcTVvZ0U2ZDZIZ3A2RmFDZ2M?oc=5) · The Financial Brand
- 2022-09-18 [Jimmy Warren Obituary (2009) - Virginia, VA - Roanoke Times - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPcU9GN3FOeWp2NWtWN2VuWThEdm5kSkhfLTV5dTBYeE9VV2U1dE9JTTg5UjlZVUhuUFNfWE5FT0pzZkxIdHVJTzlMNHZab2lxblEzZFZFWlhkVEFURVR4VC1Fb2tzZGRKX3g2NzJSRzVxTjBkUllTajZOdFNGalY3OHQ0SUZsdzBQQ2RJ?oc=5) · Legacy obituary
- 2021-12-08 [Community builder, shaper dies at 98 - Ocala Gazette](https://news.google.com/rss/articles/CBMic0FVX3lxTFBIMmIybFplTWN6N2VCcjB0c1FFU19fUGgyUlQ1bWhWWmhUeUU4Wi0zd09OMWE3NXFKVGZqUHRLNnFVY1BybTR6cDlna3pEQWdYRjVwbDUyZUtTdUJDWnNUMUtxR0VEbHB0X2Exb2VsM1VPSEk?oc=5) · Ocala Gazette
- 2022-01-08 [Henrietta Dunford Obituary (1948 - 2022) - Marion, VA - SWVA Today - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxQODZfRUc5NlFfdDNXU1p2bkJnSFExdVZOdl9RTFh4S3VyM0pETGRTVkpDY0ZHTXlBMnZyd3hwM0NwQTNrNVZseWo5Q3JZcjBWaEZUVzluVWY1NkU5WnpNcXZLTDBrNGRJb3NpMUFuMWhrZjJQZHFuWXZkNVFsT2RhWkZlN2MzR0s0RV9nS0VCY2JtM0k5?oc=5) · Legacy obituary
- 2026-05-27 [9 Towns in Virginia Have The Best Main Streets - WorldAtlas](https://news.google.com/rss/articles/CBMilgFBVV95cUxPdW15NFBIYUxVWDNEQm9STm0wUXVYVDdqLWJ3Zm1YTVFSZVYtQVF5cEExVXR3cGRQdzFoS2R0VWloWWhra21oNnRuUi10N25mZkxwSHZpTXdTallNYTlMUzJJcWZYalhOSVZ6emNPdEtPT05USXJKZFpKRHp1ZmVEeEFrNzVsRmJYWnVuZURmUHhZWnJ2WXc?oc=5) · WorldAtlas
- 2022-10-19 [Kathleen Powers Obituary (1935 - 2022) - Marion, VA - Bristol Herald Courier - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxQeFQ5REJFUnhnQmxMRlRDdF8yN3YzTzlraTQyVVQ1YkRCZXF2QlBlVEtHOGY0VUh5YUpFelNnclAzMzJmVzlhSW8yN2FhR3RzdUswX0VRQzU2T3ZfLU90SC1iSzVnbzVZWmlPWkRvdmxnRy0wd1l2bFZMZDI3azV3X2x6RHBjMUNuTHV5bDB4bHVNM2IwNWtz?oc=5) · Legacy obituary
- 2022-04-21 [Mary Pennington Obituary (1936 - 2022) - Troutdale, VA - Bristol Herald Courier - Legacy obituary](https://news.google.com/rss/articles/CBMilwFBVV95cUxQY3JmbkRrbFJLaUhLZVJSRVlXeC1TallabTNaUnl1NzdYRWphNTktYU1DTjdSRmdmZW5mRnUzUWoyZVM1UjF5YlJwaDM2bjYyaTB4aHpZeHJnQkZQQjVzWnp0WU9UMVNNMGkyTHBnaHV4TVV5TUt3YkczV1pBbDZnSktTeTRCRzlWeEFVU1NnZWdtLVRPc25j?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9507 (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/35.json (key "9507", 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