TellerScore

Headquartered in Marion, Kansas, The Marion National Bank is a national bank with $35.4M in total assets and $29.8M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1905.

The Marion National Bank has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 78% of its 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 34th. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 12% uninsured); earnings contributes the least (70/100, 1.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Tier 1 leverage ratio: 12.99%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 58.0% · 11.7% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.90%

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 fell 3 points (88 → 85), mostly because the loan quality component weakened by 10 points.

TellerScore
858992Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202488
Q4 202487
Q1 202586
Q2 202588
Q3 202590
Q4 202589
Q1 202692
Q2 202685
Tier 1 leverage ratio
5.00%9.68%14.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202413.61%
Q3 202414.36%
Q4 202414.05%
Q1 202512.94%
Q2 202513.21%
Q3 202514.00%
Q4 202513.98%
Q1 202613.62%
Q2 202612.99%
Noncurrent loans
0.00%0.14%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.29%
Return on assets
0.72%1.10%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.72%
Q3 20240.75%
Q4 20240.73%
Q1 20251.06%
Q2 20251.16%
Q3 20251.13%
Q4 20250.99%
Q1 20261.49%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$35.4M12.99%0.29%1.24%58.0%
Q1 202692$34.9M13.62%0.00%1.49%52.0%
Q4 202589$32.8M13.98%0.00%0.99%56.4%
Q3 202590$31.1M14.00%0.00%1.13%54.4%
Q2 202588$30.8M13.21%0.00%1.16%48.7%
Q1 202586$33.3M12.94%0.00%1.06%41.2%
Q4 202487$29.4M14.05%0.00%0.73%45.6%
Q3 202488$28.3M14.36%0.00%0.75%45.2%
Q2 202486$28.6M13.61%0.00%0.72%44.1%

546 peers · Under $100 million in assets

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 ratio12.99%
52nd
Total risk-based capital0.00%
27th
Problem loans0.29%
54th
Net charge-offs0.00%
58th
Return on assets1.24%
65th
Net interest margin4.22%
65th
Efficiency ratio63.9%
66th
Loans to deposits58.0%
62nd
Uninsured deposits11.7%
68th
Loan-loss reserves1.26%
55th
Texas ratio0.9%
58th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
The State Bank of Canton, Canton, KansasBank Canton, KS91 out of 100, Very strong$36.6M22.1%0.00%vs
Marquette Farmers State Bank of MarquetteBank Marquette, KS65 out of 100, Moderate$33.6M17.5%5.22%vs
Cottonwood Valley BankBank Cedar Point, KS90 out of 100, Very strong$38.1M14.4%0.00%vs
Ventura National Bank & TrustBank Harveyville, KS72 out of 100, Strong$41.7M17.9%0.09%vs
The Liberty Savings Association, FSABank Fort Scott, KS86 out of 100, Very strong$28.2M24.1%0.00%vs
Farmers State BankBank Phillipsburg, KS69 out of 100, Moderate$42.8M11.7%1.32%vs

Deposit insurance

Is my money safe at The Marion National Bank?

Yes. The Marion National Bank is an FDIC-insured institution (FDIC certificate #4728). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.7% of deposits ($3.5M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.99%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The Marion National Bank lists 1 office in 1 city. Most locations:

  • Marion, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Marion National Bank
Type
National bank
FDIC certificate #
4728
RSSD ID
167752
Primary regulator
OCC
Holding company
Marion Bancshares Inc
Established
January 1, 1905
Headquarters
302 E Main St, Marion, KS 66861
Employees
7

Quick answers

The Marion National Bank: common questions

Is The Marion National Bank FDIC insured?

Yes. The Marion National Bank is an FDIC-insured institution (FDIC certificate #4728). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Marion National Bank's TellerScore?

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

Has The Marion National Bank ever failed?

There is no failure record for FDIC certificate #4728 in the FDIC failed bank list.

How many branches does The Marion National Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Marion

InstitutionScoreAssetsCapitalProblem loansCompare
The Citizens State BankBank Moundridge, KS95 out of 100, Very strong$450.6M14.4%0.01%vs
Cottonwood Valley BankBank Cedar Point, KS90 out of 100, Very strong$38.1M14.4%0.00%vs
The Walton State BankBank Walton, KS84 out of 100, Strong$13.0M15.4%0.00%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs
White Eagle Credit UnionCredit union Augusta, KS76 out of 100, Strong$198.5M14.0%1.72%vs