BlastPoint's Banking Scorecard
Marquette Savings Bank
Designations: ✓ Community bank
Erie, PA
11 branches across PA
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 37 in PA.
- Deposits +9.7% year over year ($1.1B on the books).
- Delinquency rate 0.67%.
- Return on assets 0.53%.
- Efficiency ratio 78.17% vs a 59.73% peer average.
- Loan-to-deposit ratio 89.89% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Marquette Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 0.86% below tier average
- - Net Interest Margin 1.07% below tier average
- - Efficiency Ratio 18.44% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+6.4% YoY
+2.2% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$993.3M
+6.6% YoY
+2.3% QoQ
|
-$970.0M |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$1.1B
+9.7% YoY
+2.7% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
0.53%
+193.1% YoY
+2.0% QoQ
|
-0.86% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 8.5% in tier |
| Net Interest Margin ? |
2.80%
+13.1% YoY
+2.7% QoQ
|
-1.07% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio ? |
78.17%
-13.1% YoY
-1.4% QoQ
|
+18.44% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate ? |
0.67%
-9.0% YoY
-7.8% QoQ
|
-0.20% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
89.89%
-2.8% YoY
-0.4% QoQ
|
+4.86% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
17.11%
-3.0% YoY
-1.5% QoQ
|
-4.16% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.47%
-8.9% YoY
-6.6% QoQ
|
-0.21% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
13.58%
-3.0% YoY
-1.2% QoQ
|
-1.26% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.19%
+21.2% YoY
+95.6% QoQ
|
-0.33% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
30% |
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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.1%
-0.5pp YoY -0.3pp QoQ |
-4.3pp | 21.4% | 18.7% | 22.2% | 34% |
| Brokered Deposits |
1.5%
+0.7pp YoY -0.3pp QoQ |
-8.0pp | 9.5% | 6.8% | 8.5% | 23% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.6%
-0.2pp YoY +0.4pp QoQ |
-4.4pp | 14.0% | 8.6% | 12.5% | 42% |
| CRE |
22.0%
+1.9pp YoY +0.3pp QoQ |
-28.1pp | 50.0% | 37.9% | 41.4% | 5% |
| 1-4 Family |
68.7%
-1.8pp YoY -0.8pp QoQ |
+42.3pp | 26.4% | 47.8% | 31.3% | 96% |
| Consumer |
0.3%
+0.1pp YoY +0.1pp QoQ |
-4.4pp | 4.7% | 3.8% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.3% | 19.7% | n/a |
| Leverage Ratio |
13.6%
-0.4pp YoY -0.2pp QoQ |
+2.3pp | 11.3% | 13.2% | 12.6% | 88% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
158
-4 (-2.5%) YoY -6 (-3.7%) QoQ |
-156 | 313 | 299 | 482 | 25% |
| Assets per Employee ($) |
$9.1M
+9.1% YoY +6.1% QoQ |
-$1.4M | $10.5M | $9.2M | $8.8M | 56% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 20 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.8% | 0.9% | 1.0% | 61% |
| Allowance Coverage |
0.92x
+11.8% YoY +11.6% QoQ |
-17.79x | 18.71x | 3.63x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.5%
+2.9pp YoY +0.1pp QoQ |
-8.1pp | 12.6% | 10.2% | 11.6% | 7% |
| Cost of Funds (YTD) |
2.2%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 1.8% | 1.7% | 74% |
| Net Income ($, YTD) |
$3.7M
+211.4% YoY — QoQ |
-$15.5M | $19.2M | $18.2M | $40.4M | 6% |
Get Full Access to Marquette Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.