BlastPoint's Banking Scorecard
Marquette Bank
Designations: ✓ Community bank
Chicago, IL
22 branches across IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits -0.3% year over year ($1.8B on the books).
- Delinquency rate 0.10%.
- Return on assets 0.71%.
- Efficiency ratio 74.19% vs a 59.73% peer average.
- Loan-to-deposit ratio 79.77% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Marquette Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.2% in tier
- - ROA 0.68% below tier average
- - Net Interest Margin 0.67% below tier average
- - Efficiency Ratio 14.46% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
-3.1% YoY
-1.4% QoQ
|
-$698.3M |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$1.4B
-1.7% YoY
+1.6% QoQ
|
-$563.9M |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$1.8B
-0.3% YoY
-1.0% QoQ
|
-$564.6M |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
0.71%
+61.8% YoY
+8.4% QoQ
|
-0.68% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.8% in tier |
| Net Interest Margin ? |
3.20%
+18.8% YoY
+2.1% QoQ
|
-0.67% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
74.19%
-7.0% YoY
+0.4% QoQ
|
+14.46% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.0% in tier |
| Delinquency Rate ? |
0.10%
+0.0% YoY
-34.6% QoQ
|
-0.77% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 12.0% in tier |
| Loan-to-Deposit Ratio ? |
79.77%
-1.4% YoY
+2.6% QoQ
|
-5.27% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
19.35%
+3.6% YoY
+1.8% QoQ
|
-1.92% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.07%
+1.5% YoY
-32.6% QoQ
|
-0.61% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 10.8% in tier |
| Tier 1 Capital Ratio ? |
14.18%
+7.4% YoY
-0.9% QoQ
|
-0.67% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.38%
+7.6% YoY
+105.3% QoQ
|
-0.14% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
69% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.4%
+0.7pp YoY +0.3pp QoQ |
-2.0pp | 21.4% | 20.1% | 22.2% | 47% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.7%
-0.1pp YoY 0.0pp QoQ |
-13.3pp | 14.0% | 14.7% | 12.5% | 1% |
| CRE |
79.7%
+1.0pp YoY +0.7pp QoQ |
+29.6pp | 50.0% | 37.9% | 41.4% | 95% |
| 1-4 Family |
20.6%
-0.9pp YoY -0.7pp QoQ |
-5.8pp | 26.4% | 28.3% | 31.3% | 43% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 5.4% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.2%
+1.0pp YoY -0.1pp QoQ |
-1.4pp | 15.6% | 19.9% | 19.7% | 61% |
| Leverage Ratio |
8.4%
+0.5pp YoY +0.2pp QoQ |
-2.9pp | 11.3% | 12.2% | 12.6% | 4% |
| Total Capital Ratio |
15.3%
+0.9pp YoY -0.2pp QoQ |
-1.4pp | 16.7% | 20.9% | 20.8% | 61% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
312
+1 (+0.3%) YoY 0 QoQ |
-2 | 313 | 228 | 482 | 68% |
| Assets per Employee ($) |
$6.7M
-3.4% YoY -1.4% QoQ |
-$3.8M | $10.5M | $8.3M | $8.8M | 20% |
| Branch Count |
22
0 YoY 0 QoQ |
+2 | 20 | 10 | 18 | 70% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.7pp | 0.8% | 1.1% | 1.0% | 11% |
| Allowance Coverage |
9.86x
-6.7% YoY +50.9% QoQ |
-8.85x | 18.71x | 5.62x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.9%
+2.6pp YoY +0.5pp QoQ |
-4.7pp | 12.6% | 10.5% | 11.6% | 19% |
| Cost of Funds (YTD) |
1.1%
-0.4pp YoY 0.0pp QoQ |
-0.8pp | 1.9% | 1.6% | 1.7% | 8% |
| Net Income ($, YTD) |
$7.5M
+59.5% YoY — QoQ |
-$11.7M | $19.2M | $11.7M | $40.4M | 27% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.