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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