BlastPoint's Banking Scorecard
Marathon Bank
Wausau, WI
5 branches across WI
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
- Deposits +7.8% year over year ($197.8M on the books).
- Delinquency rate 0.03%.
- Return on assets 0.78%.
- Efficiency ratio 73.53% vs a 64.48% peer average.
- Loan-to-deposit ratio 109.92% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Marathon Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18.2% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 31.97% above tier average
- - ROA 0.54% below tier average
- - Net Interest Margin 0.44% below tier average
- - Efficiency Ratio 9.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$261.1M
+9.5% YoY
+5.0% QoQ
|
-$125.5M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$217.4M
+8.5% YoY
+2.9% QoQ
|
-$40.9M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$197.8M
+7.8% YoY
+9.0% QoQ
|
-$129.0M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
0.78%
+843.4% YoY
-11.1% QoQ
|
-0.54% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
3.55%
+17.5% YoY
+0.3% QoQ
|
-0.44% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
73.53%
-23.0% YoY
+5.2% QoQ
|
+9.05% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.03%
-9.2% YoY
-66.2% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
109.92%
+0.6% YoY
-5.7% QoQ
|
+31.97% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.80%
-8.7% YoY
-6.4% QoQ
|
-7.23% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.42%
-8.8% YoY
-14.6% QoQ
|
-0.25% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
15.34%
+0.8% YoY
-0.1% QoQ
|
-0.57% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.19%
+949.1% YoY
+74.8% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
46% |
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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.8%
-1.4pp YoY -1.0pp QoQ |
-7.4pp | 22.1% | 18.9% | 22.2% | 23% |
| Brokered Deposits |
7.1%
+0.5pp YoY -0.5pp QoQ |
-0.8pp | 7.9% | 9.2% | 8.5% | 64% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.3%
-0.5pp YoY -0.2pp QoQ |
-10.3pp | 11.6% | 10.5% | 12.5% | 4% |
| CRE |
68.9%
-1.1pp YoY +1.3pp QoQ |
+29.4pp | 39.5% | 46.4% | 41.4% | 93% |
| 1-4 Family |
30.5%
+1.5pp YoY -1.2pp QoQ |
-2.2pp | 32.6% | 32.3% | 31.3% | 52% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 2.6% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
15.3%
+0.1pp YoY 0.0pp QoQ |
+3.2pp | 12.2% | 12.6% | 12.6% | 88% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
31
-4 (-11.4%) YoY -5 (-13.9%) QoQ |
-28 | 58 | 134 | 482 | 28% |
| Assets per Employee ($) |
$8.4M
+23.6% YoY +22.0% QoQ |
+$903K | $7.5M | $8.2M | $8.8M | 73% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 9 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 0.9% | 1.0% | 8% |
| Allowance Coverage |
26.45x
-2.9% YoY +174.1% QoQ |
+2.30x | 24.15x | 56.89x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
-0.3%
-0.3pp YoY -0.3pp QoQ |
-0.4pp | 0.1% | 0.0% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.2%
+4.6pp YoY -0.6pp QoQ |
-7.0pp | 12.2% | 11.8% | 11.6% | 14% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 49% |
| Net Income ($, YTD) |
$990,000
+931.2% YoY — QoQ |
-$1.6M | $2.6M | $7.9M | $40.4M | 26% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.