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Marseilles Bank

Marseilles, IL · Cert 16318 · Marseilles Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

22

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Marseilles Bank

Marseilles, IL · Cert 16318 · Marseilles Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$77.6MAssets
$36.0MLoans
$68.1MDeposits
$4.2MEquity
Loan mix
83%RE $30.1M2%C&I $0.6M16%Consumer $5.7MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $49.0M28%Noninterest $19.2MQ2 2025Q2 2026

NIM

3.26%Q2 ’243.52%Q2 ’253.79%Q2 ’26+24%+25%

Non-interest income vs. expense

1.78%Q2 ’241.87%Q2 ’251.88%Q2 ’26+6%+0%

Executive Summary

  • Earnings: ROA of 0.26%, up 16 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 1.02% of loans (+31 bps YoY), with net charge-offs at 0.53%.
  • Capital: tier 1 leverage ratio of 8.31%, up 17 bps from a year ago.
  • Funding: loans stand at 52.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.26%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.25%+46 bps YoY

Efficiency Ratio (YTD, annualized)

75.90%-1,701 bps YoY

Tier 1 Leverage Ratio

8.31%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.11%0.16%0.00%0.26%+16 bps
Return on Equity2.86%2.63%3.81%0.00%4.82%+196 bps
Net Interest Margin1.79%1.77%1.88%2.18%2.25%+46 bps
Efficiency Ratio92.91%92.45%88.48%79.63%75.90%-1,701 bps
Non-Interest Burden1.65%1.62%1.64%1.69%1.65%0 bps
Growth
Asset Growth (YoY)3.19%-2.59%0.33%2.79%0.29%-290 bps
Loan Growth (YoY)5.30%4.86%11.05%10.24%6.53%+123 bps
Deposit Growth (YoY)5.00%3.53%3.57%7.66%5.10%+11 bps
Asset Quality
Nonperforming Loans / Loans0.72%1.03%0.90%0.75%1.02%+31 bps
Net Charge-Offs / Loans0.05%0.03%0.08%0.56%0.53%+49 bps
Allowance / Loans1.05%1.04%0.99%1.12%1.05%+1 bps
Allowance Coverage of NPLs1.5x1.0x1.1x1.5x1.0x-0.4x
Capital
Tier 1 Leverage Ratio8.14%8.02%8.21%8.24%8.31%+17 bps
Total Risk-Based Capital17.73%17.86%17.60%17.64%21.19%+346 bps
Equity / Assets4.20%5.08%5.54%5.36%5.46%+126 bps
Liquidity & Funding
Loans / Deposits52.13%52.67%55.41%53.03%52.84%+71 bps
Liquid Assets / Assets3.26%3.57%1.52%6.48%7.02%+376 bps
CRE / Total Capitaln/a61.27%74.72%74.88%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Marseilles Bank

Marseilles, IL · Cert 16318 · Peer group: banks under $1B in assets in IL (n=149-151) · Marseilles Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$77.6MAssets
$36.0MLoans
$68.1MDeposits
$4.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 81% of banks under $1B in assets in IL (rank 29 of 151).
  • Widest gap: equity / assets trails 99% of banks under $1B in assets in IL (rank 149 of 151).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.26%

Rank 142 of 151

Net Interest Margin

2.25%

Rank 149 of 151

Efficiency Ratio

75.90%

Rank 118 of 151

Equity / Assets

5.46%

Rank 149 of 151

Non-interest income vs. expense

$0.2M$1.5MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 23% of banks under $1B in assets in IL
Bank 75.90%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.26%0.70%1.03%1.34%Beats 6%142 / 151
Return on Equity4.82%6.74%9.34%12.94%Beats 16%127 / 151
Net Interest Margin2.25%3.02%3.43%3.83%Beats 1%149 / 151
Efficiency Ratio75.90%54.64%64.89%72.50%Beats 23%118 / 151
Asset Quality
Nonperforming Loans / Loans1.02%0.20%0.66%1.77%Beats 40%91 / 149
Net Charge-Offs / Loans0.27%0.00%0.02%0.07%Beats 9%136 / 149
Capital
Tier 1 Capital Ratio20.06%11.83%14.17%18.66%Beats 79%31 / 151
Total Risk-Based Capital Ratio21.19%12.22%14.54%19.92%Beats 81%29 / 151
Equity / Assets5.46%9.10%10.65%12.40%Beats 1%149 / 151
Liquidity & Funding
Loans / Deposits52.84%54.39%71.02%80.75%21st pctl117 / 149
Loans / Assets46.40%45.91%61.31%68.01%26th pctl112 / 151
Brokered Deposits / Depositsn/aNot reported for this institution