Marseilles, IL · Cert 16318 · Marseilles Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
54
Asset Quality
25
Profitability
8
Liquidity
22
Efficiency
23
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.
Marseilles, IL · Cert 16318 · Marseilles Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.06% | 0.12% | 0.10% | 0.11% | 0.16% | 0.00% | 0.26% | +16 bps | |
| Return on Equity | -6.03% | -2.44% | 3.66% | 2.86% | 2.63% | 3.81% | 0.00% | 4.82% | +196 bps | |
| Net Interest Margin | 1.47% | 1.52% | 1.77% | 1.79% | 1.77% | 1.88% | 2.18% | 2.25% | +46 bps | |
| Efficiency Ratio | 105.52% | 100.77% | 92.54% | 92.91% | 92.45% | 88.48% | 79.63% | 75.90% | -1,701 bps | |
| Non-Interest Burden | 1.57% | 1.53% | 1.62% | 1.65% | 1.62% | 1.64% | 1.69% | 1.65% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.68% | 1.76% | 2.96% | 3.19% | -2.59% | 0.33% | 2.79% | 0.29% | -290 bps | |
| Loan Growth (YoY) | 20.49% | 10.56% | 9.57% | 5.30% | 4.86% | 11.05% | 10.24% | 6.53% | +123 bps | |
| Deposit Growth (YoY) | 1.98% | 4.84% | 4.81% | 5.00% | 3.53% | 3.57% | 7.66% | 5.10% | +11 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 0.77% | 0.78% | 0.72% | 1.03% | 0.90% | 0.75% | 1.02% | +31 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.03% | -0.04% | 0.05% | 0.03% | 0.08% | 0.56% | 0.53% | +49 bps | |
| Allowance / Loans | 1.04% | 1.07% | 1.08% | 1.05% | 1.04% | 0.99% | 1.12% | 1.05% | +1 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.4x | 1.4x | 1.5x | 1.0x | 1.1x | 1.5x | 1.0x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.99% | 8.04% | 8.05% | 8.14% | 8.02% | 8.21% | 8.24% | 8.31% | +17 bps | |
| Total Risk-Based Capital | 16.87% | 17.43% | 17.57% | 17.73% | 17.86% | 17.60% | 17.64% | 21.19% | +346 bps | |
| Equity / Assets | 3.88% | 2.97% | 3.81% | 4.20% | 5.08% | 5.54% | 5.36% | 5.46% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.01% | 51.68% | 51.80% | 52.13% | 52.67% | 55.41% | 53.03% | 52.84% | +71 bps | |
| Liquid Assets / Assets | 2.01% | 2.78% | 3.10% | 3.26% | 3.57% | 1.52% | 6.48% | 7.02% | +376 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 61.27% | 74.72% | 74.88% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.26% | 0.70% | 1.03% | 1.34% | Beats 6% | 142 / 151 | ||
| Return on Equity | 4.82% | 6.74% | 9.34% | 12.94% | Beats 16% | 127 / 151 | ||
| Net Interest Margin | 2.25% | 3.02% | 3.43% | 3.83% | Beats 1% | 149 / 151 | ||
| Efficiency Ratio | 75.90% | 54.64% | 64.89% | 72.50% | Beats 23% | 118 / 151 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.02% | 0.20% | 0.66% | 1.77% | Beats 40% | 91 / 149 | ||
| Net Charge-Offs / Loans | 0.27% | 0.00% | 0.02% | 0.07% | Beats 9% | 136 / 149 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.06% | 11.83% | 14.17% | 18.66% | Beats 79% | 31 / 151 | ||
| Total Risk-Based Capital Ratio | 21.19% | 12.22% | 14.54% | 19.92% | Beats 81% | 29 / 151 | ||
| Equity / Assets | 5.46% | 9.10% | 10.65% | 12.40% | Beats 1% | 149 / 151 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.84% | 54.39% | 71.02% | 80.75% | 21st pctl | 117 / 149 | ||
| Loans / Assets | 46.40% | 45.91% | 61.31% | 68.01% | 26th pctl | 112 / 151 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||