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Marion Center Bank

IDRSSD: 947525
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q2QoQ -6

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #947525 2024-Q2 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.8% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -35

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 81.8%, cash 4.4% of assets.

Cash / Assets
4.36%
Loans / Deposits
81.82%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.48%
No watch items at this period.

Capitalization

WatchQoQ -4
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.41%, CET1 10.41%, leverage 6.80%.

Tier 1 RBC
10.41%
CET1
10.41%
Leverage
6.80%
No watch items at this period.

Asset Quality

StrongQoQ 0
93
Sub-score

Asset quality is strong: Adjusted NPL 0.99%, Texas Ratio 9.2%, NCO YTD 0.04%.

Adjusted NPL
0.99%
Govt-guarantees stripped
Texas Ratio
9.2%
NCO YTD
0.04%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -35
27
Sub-score

Reserves are weak: ALLL 0.97% of loans, coverage 98.5%, true coverage 30.8%.

ALLL / Loans
0.97%
Coverage
98.5%
True Loss Coverage
30.8%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.8% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 14:44:37 UTC