Marseilles, IL · Cert 16318 · Marseilles Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.11% | 0.34% | 0.00% | 0.52% | +44 bps | |
| Return on Equity | 2.14% | 2.29% | 6.41% | 0.00% | 9.60% | +746 bps | |
| Net Interest Margin | 1.80% | 1.80% | 2.13% | 2.18% | 2.34% | +54 bps | |
| Efficiency Ratio | 93.28% | 91.55% | 78.32% | 79.63% | 72.39% | -2,089 bps | |
| Non-Interest Burden | 1.66% | 1.63% | 1.62% | 1.69% | 1.63% | -3 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 / Loans | 0.72% | 1.03% | 0.90% | 0.75% | 1.02% | +31 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.00% | 0.23% | 0.56% | 0.50% | +37 bps | |
| Allowance / Loans | 1.05% | 1.04% | 0.99% | 1.12% | 1.05% | +1 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.0x | 1.1x | 1.5x | 1.0x | -0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.14% | 8.02% | 8.21% | 8.24% | 8.31% | +17 bps | |
| Total Risk-Based Capital | 17.73% | 17.86% | 17.60% | 17.64% | 21.19% | +346 bps | |
| Equity / Assets | 4.20% | 5.08% | 5.54% | 5.36% | 5.46% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.13% | 52.67% | 55.41% | 53.03% | 52.84% | +71 bps | |
| Liquid Assets / Assets | 3.26% | 3.57% | 1.52% | 6.48% | 7.02% | +376 bps | |
| CRE / Total Capital | n/a | 61.27% | 74.72% | 74.88% | n/a | n/a | |