BlastPoint's Banking Scorecard
Marathon Bank
Wausau, WI
5 branches across WI
Marathon Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.1% in tier
- - Capital Constraint: Bottom 81.5% in tier
- - ROA 0.39% below tier average
- - Net Interest Margin 0.39% below tier average
- - Efficiency Ratio 4.59% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$248.6M
+5.1% YoY
+0.4% QoQ
|
-$137.5M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$211.3M
+12.2% YoY
-0.1% QoQ
|
-$44.4M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$181.4M
-3.5% YoY
-2.3% QoQ
|
-$146.6M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
0.88%
+213.0% YoY
+77.9% QoQ
|
-0.39% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
3.54%
+25.3% YoY
+7.9% QoQ
|
-0.39% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
32% |
| Efficiency Ratio ? |
69.87%
-22.4% YoY
-13.7% QoQ
|
+4.59% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.09%
+0.1% QoQ
|
-0.80% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
116.51%
+16.2% YoY
+2.3% QoQ
|
+39.87% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.80%
+37.4% YoY
+2.4% QoQ
|
-6.22% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.49%
-17.6% YoY
-0.4% QoQ
|
-0.15% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
15.35%
+14.4% YoY
+0.5% QoQ
|
-0.48% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.11%
+11.8% YoY
-42.5% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
57% |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.