Marion Center Bank
Indiana, Pennsylvania · FDIC Cert #7909
Marion Center Bank is an FDIC-insured bank (Certificate #7909) with $417M in total assets and $367M in total deposits as of the Q2 2024 Call Report. Headquartered in Indiana, Pennsylvania, the bank maintains a Tier 1 capital ratio of 10.41% (Well-Capitalized) and a nonperforming loan ratio of 0.98%. BankHealthData assigns a composite Health Grade of B (68/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Marion Center Bank (FDIC cert 7909) is a community bank — $417M in total assets, $367M in deposits, serving the Indiana, Pennsylvania area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.41% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.98% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 23.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.17% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Marion Center Bank carries a composite BankHealth grade of B (68/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Marion Center Bank
- Total Assets
- $417M
- Total Deposits
- $367M
- Tier 1 Capital Ratio
- 10.41%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.98%
- Liquidity Ratio
- 23.87%
- Return on Assets
- 0.17%
- Headquarters
- Indiana, Pennsylvania
- FDIC Certificate
- #7909
- Health Grade
- B (68/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Marion Center Bank holds a Tier 1 capital ratio of 10.41%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Marion Center Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Marion Center Bank shows strong financial health indicators. With $417M in assets and a Health Score of 68/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Marion Center Bank Compares
Marion Center Bank’s Health Score of 68 is 2 points below the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 10.41% Tier 1 capital ratio is 3.6 points below the US banking industry average near 14%. The 0.98% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.17% is below the national ROA benchmark of ~1.1%. Among 1516 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Marion Center Bank is 2 points below the portfolio average of 70.
Frequently Asked Questions
Marion Center Bank has a Bank Health Score of B (68/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.41%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Marion Center Bank's Tier 1 capital ratio of 10.41% and nonperforming loan ratio of 0.98% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Marion Center Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #7909). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Marion Center Bank holds $417M in total assets and $367M in total deposits. It is headquartered in Indiana, Pennsylvania (FDIC Certificate #7909).
Marion Center Bank has a Tier 1 capital ratio of 10.41%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.98%, and the return on assets is 0.17%.
Yes. Marion Center Bank is FDIC-insured (Certificate #7909). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Marion Center Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.