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The Bank Of Marion

IDRSSD: 858528
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
80
/ 100
StrongAs of 2026-Q1QoQ +2

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 #858528 2026-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.26% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +8

The five pillars

Liquidity

StableQoQ -2
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 76.4%, cash 2.3% of assets.

Cash / Assets
2.26%
Loans / Deposits
76.37%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.26% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.85%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.43%, CET1 18.43%, leverage 11.40%.

Tier 1 RBC
18.43%
CET1
18.43%
Leverage
11.40%
No watch items at this period.

Asset Quality

StableQoQ +6
74
Sub-score

Asset quality is stable: Adjusted NPL 1.48%, Texas Ratio 8.3%, NCO YTD 0.14%.

Adjusted NPL
1.48%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
0.14%
30-89 PD
2.12%
Band 0.3% / 3.0%
90+ PD
0.74%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +8
39
Sub-score

Reserves are weak: ALLL 1.00% of loans, coverage 68.2%, true coverage 68.2%.

ALLL / Loans
1.00%
Coverage
68.2%
True Loss Coverage
68.2%
No watch items at this period.

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 23:42:53 UTC