TellerScore

Headquartered in Pella, Iowa, Marion County State Bank is a state-chartered bank with $628.6M in total assets and $546.6M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1935.

Marion County State Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 92nd. Problem-loan coverage contributes the most (95/100, 2.5%); funding & liquidity contributes the least (52/100, 89% loans-to-deposits, 33% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.41%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.27%
Earnings94/100
Return on assets (annualized): 1.84%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 88.7% · 32.6% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (68 → 75), mostly because the earnings component improved by 23 points.

TellerScore
556575Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202460
Q3 202460
Q4 202455
Q1 202557
Q2 202568
Q3 202566
Q4 202570
Q1 202672
Q2 202675
Tier 1 leverage ratio
5.00%7.71%10.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.33%
Q3 20249.33%
Q4 20249.30%
Q1 20259.18%
Q2 20259.47%
Q3 20259.45%
Q4 20259.37%
Q1 20269.95%
Q2 202610.41%
Noncurrent loans
0.11%0.71%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.67%
Q3 20240.72%
Q4 20241.27%
Q1 20251.30%
Q2 20250.11%
Q3 20250.26%
Q4 20250.17%
Q1 20260.28%
Q2 20260.27%
Return on assets
0.87%1.35%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.87%
Q3 20240.96%
Q4 20240.99%
Q1 20251.19%
Q2 20251.29%
Q3 20251.30%
Q4 20251.42%
Q1 20261.69%
Q2 20261.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$628.6M10.41%0.27%1.84%88.7%
Q1 202672$620.3M9.95%0.28%1.69%90.7%
Q4 202570$648.5M9.37%0.17%1.42%88.3%
Q3 202566$660.3M9.45%0.26%1.30%91.9%
Q2 202568$641.9M9.47%0.11%1.29%85.1%
Q1 202557$634.4M9.18%1.30%1.19%86.2%
Q4 202455$652.9M9.30%1.27%0.99%84.4%
Q3 202460$663.1M9.33%0.72%0.96%83.8%
Q2 202460$648.6M9.33%0.67%0.87%84.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.41%
39th
Total risk-based capital14.75%
66th
Problem loans0.27%
59th
Net charge-offs0.01%
46th
Return on assets1.84%
82nd
Net interest margin3.82%
44th
Efficiency ratio48.8%
85th
Loans to deposits88.7%
29th
Uninsured deposits32.6%
22nd
Loan-loss reserves0.79%
11th
Texas ratio2.5%
53rd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty National BankBank Sioux City, IA71 out of 100, Strong$624.4M10.3%0.00%vs
South Story Bank & TrustBank Slater, IA57 out of 100, Moderate$623.9M10.9%0.78%vs
GNB BankBank Grundy Center, IA76 out of 100, Strong$621.3M12.2%0.62%vs
Farmers Trust and Savings BankBank Spencer, IA57 out of 100, Moderate$618.0M9.5%1.45%vs
Farmers & Merchants Savings BankBank Manchester, IA61 out of 100, Moderate$616.8M12.4%1.70%vs
Community Savings BankBank Edgewood, IA65 out of 100, Moderate$613.6M10.1%0.63%vs

Deposit insurance

Is my money safe at Marion County State Bank?

Yes. Marion County State Bank is an FDIC-insured institution (FDIC certificate #15272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.6% of deposits ($178.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.41%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.75% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Marion County State Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Marion County State Bank
Type
State-chartered bank
FDIC certificate #
15272
RSSD ID
97943
Primary regulator
FDIC
Holding company
Pella Financial Group Inc
Established
September 21, 1935
Headquarters
800 Main St, Pella, IA 50219
Employees
63

Quick answers

Marion County State Bank: common questions

Is Marion County State Bank FDIC insured?

Yes. Marion County State Bank is an FDIC-insured institution (FDIC certificate #15272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Marion County State Bank's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Marion County State Bank ever failed?

There is no failure record for FDIC certificate #15272 in the FDIC failed bank list.

How many branches does Marion County State Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pella

InstitutionScoreAssetsCapitalProblem loansCompare
Washington State BankBank Washington, IA78 out of 100, Strong$601.1M12.5%0.49%vs
First State BankBank Lynnville, IA75 out of 100, Strong$384.2M9.8%0.21%vs
Leighton State BankBank Pella, IA74 out of 100, Strong$298.2M11.0%0.79%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs
FNNB BankBank Newton, IA70 out of 100, Strong$109.5M9.7%0.55%vs
Montezuma State BankBank Montezuma, IA68 out of 100, Moderate$54.6M14.9%6.94%vs