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Marion Center Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2026-Q1QoQ -3

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

Quarterly Headline

2026-Q1

Bank #947525 2026-Q1 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 32.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -21

The five pillars

Liquidity

StrongQoQ +2
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 79.9%, cash 3.9% of assets.

Cash / Assets
3.93%
Loans / Deposits
79.91%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.82%
No watch items at this period.

Capitalization

StableQoQ +4
70
Sub-score

Capital position is stable: Tier 1 RBC 12.04%, CET1 12.04%, leverage 7.79%.

Tier 1 RBC
12.04%
CET1
12.04%
Leverage
7.79%
No watch items at this period.

Asset Quality

StableQoQ -7
79
Sub-score

Asset quality is stable: Adjusted NPL 1.36%, Texas Ratio 11.4%, NCO YTD 0.00%.

Adjusted NPL
1.36%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.00%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.70%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -21
22
Sub-score

Reserves are weak: ALLL 0.98% of loans, coverage 72.5%, true coverage 32.1%.

ALLL / Loans
0.98%
Coverage
72.5%
True Loss Coverage
32.1%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 32.1% (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