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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 $5.7MQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $49.0M28%Noninterest $19.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.52%, up 44 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 1.02% of loans (+31 bps YoY), with net charge-offs at 0.50%.
  • 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.

Return on Assets (quarter, annualized)

0.52%+44 bps YoY

Net Interest Margin (quarter, annualized)

2.34%+54 bps YoY

Efficiency Ratio (quarter, annualized)

72.39%-2,089 bps YoY

Tier 1 Leverage Ratio

8.31%+17 bps YoY

NIM

3.31%Q2 ’243.55%Q2 ’253.85%Q2 ’26+21%+30%

Non-interest income vs. expense

1.67%Q2 ’241.87%Q2 ’251.85%Q2 ’26+16%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.06%0.16%0.12%0.09%0.11%0.34%0.00%0.52%+44 bps
Return on Equity-2.09%4.66%3.66%2.14%2.29%6.41%0.00%9.60%+746 bps
Net Interest Margin1.57%1.64%1.77%1.80%1.80%2.13%2.18%2.34%+54 bps
Efficiency Ratio103.26%88.14%92.54%93.28%91.55%78.32%79.63%72.39%-2,089 bps
Non-Interest Burden1.63%1.41%1.62%1.66%1.63%1.62%1.69%1.63%-3 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 / Loans0.78%0.77%0.78%0.72%1.03%0.90%0.75%1.02%+31 bps
Net Charge-Offs / Loans-0.01%-0.04%-0.04%0.13%0.00%0.23%0.56%0.50%+37 bps
Allowance / Loans1.04%1.07%1.08%1.05%1.04%0.99%1.12%1.05%+1 bps
Allowance Coverage of NPLs1.3x1.4x1.4x1.5x1.0x1.1x1.5x1.0x-0.4x
Capital
Tier 1 Leverage Ratio7.99%8.04%8.05%8.14%8.02%8.21%8.24%8.31%+17 bps
Total Risk-Based Capital16.87%17.43%17.57%17.73%17.86%17.60%17.64%21.19%+346 bps
Equity / Assets3.88%2.97%3.81%4.20%5.08%5.54%5.36%5.46%+126 bps
Liquidity & Funding
Loans / Deposits52.01%51.68%51.80%52.13%52.67%55.41%53.03%52.84%+71 bps
Liquid Assets / Assets2.01%2.78%3.10%3.26%3.57%1.52%6.48%7.02%+376 bps
CRE / Total Capitaln/an/an/an/a61.27%74.72%74.88%n/an/a